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Payday lenders disproportionately exploit minorities and lower-income communities.
As we first reported in 2010, "Studies have shown that payday lenders disproportionately exploit minority neighborhoods with loans that are issued at an average annual interest rate of 455%.
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Not only are the poor disproportionately exploited, the very fact of being poor creates extraordinary vulnerability to countless major and minor daily roadblocks.
Recognizing that Mexican immigrants and African-Americans disproportionately work in distinct occupations, we use this fact to motivate the empirical strategy for identification, exploiting variations in the inflows into occupations across time to test the effect of Mexicans on wages of African-Americans.
It may be possible in future to exploit our finding that primer extension reactions conducted with bisulfite-treated DNA terminate disproportionately at sites of hydroxymethylation.
"And exploit it.
Did we exploit people?
Christianize or exploit?
Companies exploit this vulnerability.
We exploit their goodwill.
They exploit our hesitations.
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