LUTHERAN ENGAGEMENT and ADVOCACY in NEVADA is the new LEAN, and we now have a Policy Council in place. The Policy Council has set out for our Advocate, Allan Smith, LEAN’s advocacy agenda for the remainder of the legislative session.
Two priorities carry over from the 2015 session, and both have to do with economic justice. They are “payday lending” and minimum wage. LEAN continues to be interested in these, based on the ELCA Social Statement, “Sufficient, Sustainable Livelihood for All.” (The new LEAN, like its predecessors, takes its policy positions from the Social Statements.)
Assembly Bill 163 provides significant new protection for people who use so-called payday lenders. These short-term, high interest loans often start a downward spiral of endless debt, because when the borrower can’t pay, lenders simply give them another loan. AB 163 requires lenders to evaluate the borrower’s ability to pay before making a loan. AB 163 also restricts a lender’s ability to “cure” a defaulted loan with a payment plan.
There are three measures dealing with minimum wage. Senate Bill 106 calls for a gradual increase of seventy-five cents per hour every year until the minimum wage reaches $12.00 per hour. Senate Joint Resolution 6 also gets to $12.00 per hour, but on a different timetable. Assembly Bill 175 began as a straightforward increase of the minimum wage, raising it one dollar per hour every year to reach $15.00. Recently AB 175 has morphed into something quite different. As amended, the bill refers to the Nevada Constitution, which allows a minimum wage of one dollar per hour less if health insurance is provided by an employer. The amendment defines the kind of health plan required to qualify as “health insurance.” The amendment significantly raises the standard, and by doing so, gets at employers who offer a “bare bones” plan and pay wages at the lower rate. This may be a legislative maneuver to make employers, who argue that a higher minimum wage kills jobs, to either pay more on the health care side or agree to the proposed wage increase.
Increasing the minimum wage has been proposed in the past, and like this session, it has encountered resistance. Rev. Mike Patterson was the LEAN Advocate in the 2015 legislative session. He spent time with Assemblyman Ira Hansen, one of the most conservative people in the Assembly. Mike was able to convince Mr. Hansen that apart from the moral considerations, an increase in the minimum wage makes economic sense. Mr. Hansen concluded that many low wage workers qualify for public assistance in the form of subsidized food, housing, medical care, and other. In true conservative fashion, he questions the role of government in such programs, and calculated a “breakeven” point of $15 to $17 per hour to shift these costs to employers. Assemblyman Hansen actually made a chart showing his figures and submitted it to his committee colleagues in support of the original 2017 bill. Advocacy works!
Advocate Allan Smith is in Carson City, speaking on behalf of the poor as well as others who suffer injustice. To express your opinions on AB 163, AB 175, or any other bill, go here. Or start with the Legislature home page, then click on “Share Your Opinion on Bills” in the upper right corner.