English 101 Los Angeles Pierce College Assignment: In 913870 ✓ Solved

English 101 Los Angeles Pierce College Assignment Intro to Argument

English 101 Los Angeles Pierce College Assignment: Intro to Argument

Identify one-to-three (1, 2, or 3) possible thesis strategies. Identify the main (controlling) argument point you wish to state, and 2 or 3 supplemental arguments. This becomes your Thesis Statement.

Identify two or three (2-3) points of opposition and rebuttal responses to these. Identify areas of research, including sources that support your argument. Rough outline your paper based on these areas, estimating the number of paragraphs for main and supporting arguments, countering opposition, descriptive and analytical sections, and areas of research, concluding with a summary of your paper.

Sample Paper For Above instruction

Title: The Impact of Predatory Lending on Vulnerable Populations and Policy Recommendations

Introduction

Predatory lending practices, particularly payday loans, have become a significant concern for policymakers aiming to protect vulnerable populations. This essay argues that payday loan centers should be investigated and regulated by the state government to safeguard minorities and low-income individuals from scams and excessive debt. Using supporting evidence, I will outline the harms associated with predatory lending, explore effective policy measures, and address potential opposition to regulatory interventions.

Thesis Statement

Payday loan centers pose serious financial risks to minorities and low-income groups; therefore, state government investigations and regulations are essential to protect these vulnerable populations from predatory practices.

Main Supporting Arguments

  1. The exploitative nature of payday loans: Payday lenders often target financially distressed individuals, charging exorbitant interest rates and fees that trap borrowers in a cycle of debt.
  2. The disproportionate impact on minorities and low-income communities: Data indicates that these populations are more likely to use payday loans, making them more susceptible to financial harm.
  3. Effectiveness of regulatory measures: States that have implemented restrictions on payday lending have observed reductions in debt burdens and improved financial wellbeing among affected populations.

Counterarguments and Rebuttals

  1. Counterargument: Payday loans provide essential access to quick credit for unbanked individuals.
  2. Rebuttal: Alternatives such as credit unions and community-based lending programs offer more affordable options and should be expanded instead of enabling predatory lenders.
  3. Counterargument: Regulation may limit consumer choice and economic activity.
  4. Rebuttal: Protecting consumers from exploitative practices outweighs the potential drawbacks; regulation ensures financial fairness and stability.

Research Sources

  • Consumer Financial Protection Bureau (CFPB). (2018). Report on Payday Lending.
  • Holt, T., & Kletzer, L. (2019). Financial Exploitation and Regulatory Responses in Payday Lending. Journal of Financial Regulation.
  • Financial Times. (2020). The Rise of Predatory Lending in Low-Income Communities.
  • National Conference of State Legislatures. (2021). Payday Loan Regulations by State.
  • Lopez, M. (2017). Protecting Vulnerable Borrowers from Predatory Practices. Consumer Advocate Journal.

Outline

Introduction (1 paragraph): Introducing predatory lending and thesis statement.

Main Argument 1 (2 paragraphs): Discuss exploitative practices and their effects.

Main Argument 2 (2 paragraphs): Highlight impact on minorities and low-income communities.

Main Argument 3 (2 paragraphs): Show effectiveness of regulations in states with restrictions.

Counterarguments (2 paragraphs): Present opposition views and provide rebuttals.

Supporting Research (2 paragraphs): Summarize key research findings and data.

Conclusion (1 paragraph): Reiterate the need for regulation to protect vulnerable populations, summarize main points, and propose policy actions.

References

  • Consumer Financial Protection Bureau. (2018). Report on Payday Lending.
  • Holt, T., & Kletzer, L. (2019). Financial Exploitation and Regulatory Responses in Payday Lending. Journal of Financial Regulation.
  • Financial Times. (2020). The Rise of Predatory Lending in Low-Income Communities.
  • National Conference of State Legislatures. (2021). Payday Loan Regulations by State.
  • Lopez, M. (2017). Protecting Vulnerable Borrowers from Predatory Practices. Consumer Advocate Journal.
  • Federal Reserve Bank. (2016). Financial Wellbeing in Low-Income Populations.
  • Ortiz, D. (2019). Economic Justice and Consumer Protections.
  • American Public Health Association. (2018). Financial Stress and Health Disparities.
  • U.S. Government Accountability Office. (2020). Payday Lending Oversight.
  • Center for Responsible Lending. (2021). State Legislation and Consumer Outcomes.

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