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Statement on HB 1913


 As leaders of major Christian denominations in the State of Oklahoma, we believe that the way in which we treat the most vulnerable among us is a mark of our faith (Matthew 25:40).  In light of this, we strongly oppose HB 1913, the “Oklahoma Small Loan Act.”

HB 1913, if it were to become a law, would enable payday lenders to charge up to 204 percent APR (Annual Percentage Rate) for loans up to $1,500.  We reject the concept that triple-digit-interest rates are acceptable, especially when the industry which provides such loans targets those least able to repay the loans and the interest in a timely manner and, therefore, often have to take out additional loans at exorbitant rates to pay off earlier loans.

Under current Oklahoma laws, the maximum interest rate on loans over $1,470 is 30 percent.  On a $1,000 loan, existing law allows for a maximum interest charge of $394 over a twelve-month period, compared to $1,405 for the same $1,000 loan and time period under the new law proposed by HB 1913.  We believe this to be predatory usury which harms, rather than helps, the poor and which is unacceptable in our society.

We call on all legislators to vote against HB 1913 to protect our most vulnerable fellow citizens.

The Rev. Dale Assink

Regional Minister, Synod of the Heartland

Reformed Church in America


The Rev. Dr. Bobby Best

Bishop, Ninth Episcopal District

Christian Methodist Episcopal Church


The Most Rev. Paul S. Coakley

Archbishop, Roman Catholic Archdiocese   of Oklahoma City


The Rev. Dr. Gregory J. Coulter

*General Presbyter

Eastern Oklahoma Presbytery

Presbyterian Church, USA


The Rev. Dr. B. Gordon Edwards

*Executive Presbyter

Cimarron Presbytery

Presbyterian Church, USA


Rex Friend

Religious Society of Friends


The Rev. Michael Girlinghouse

Bishop, Arkansas-Oklahoma Synod

Evangelical Lutheran Church in America


The Rev. Dr. Stephen D. Graham

Coordinator, Cooperating Baptist Fellowship of Oklahoma


Dr. Edith Guffey

Conference Minister

Kansas-Oklahoma Conference

United Church of Christ


Bishop Mildred B. Hines

Bishop, Southwestern Delta Episcopal District

African Methodist Episcopal Zion Church


The Rev. Pamela Holt

Regional Minister, Christian Church (Disciples of Christ) in Oklahoma


The Most Rev. David Konderla

Bishop, Roman Catholic Diocese of Tulsa


The Rt. Rev. Dr. Edward J. Konieczny

Bishop, Episcopal Diocese of Oklahoma


The Rev. Heidi Regier Kreider

Conference Minister, Western District Conference

Mennonite Church USA


The Rev. Dr. Matt Meinke

*Stated Clerk

Indian Nations Presbytery

Presbyterian Church, USA

The Rev. Calvin Miller

State President

Progressive Oklahoma Baptist State Convention


The Rt. Rev. Michael L. Mitchell

Presiding Bishop, Twelfth Episcopal District

African Methodist Episcopal Church


The Rev. James G. Nunn

Bishop, Oklahoma Conference of the

United Methodist Church and the Oklahoma Indian Missionary Conference


The Rev. Dr. William Tabbernee

Executive Director

Oklahoma Conference of Churches


*For identification purposes only.

Attachments area

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