This brief states that predatory lending is a public policy crisis, which is perpetuated by mandatory arbitration clauses that contain the kind of provisions found in this case. Further, that mandatory arbitration clauses such as Option One’s are a central part of a predatory lender’s strategy to avoid scrutiny of its practices. This brief was written by Michael D. Donovan, and is co-signed by NACA, the National Consumer Law Center, Community Legal Services, and AARP.

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