Sowers of Change, Protagonists for Social Justice, and Bold Leaders of Action

Attendees cheer a statement about justice for immigrants Feb. 16 during a the opening program of the U.S. regional World Meeting of Popular Movements in Modesto, Calif. (CNS photo/Dennis Sadowski)

Midway through the U.S. Regional Meeting of World Popular Movements in Modesto, California, a strong wind came up which almost blew off the metal protections of the roof of the beautiful new gym where we were meeting at Central Catholic High School.

The force and the noise of the wind reflected the force and noise of the gathering of over 700 inter faith delegates of community organizations from around the United States, with some international representation also. The force was a powerful wind of strong voices calling for the popular movements to be sowers of change, protagonists for social justice, and bold leaders of action in bringing down the walls that divide the struggles against the systems that Pope Francis mentioned in his letter of greeting to the gathering.  The Pope wrote about being confronted by “a system that causes enormous suffering to the human family, simultaneously assaulting people’s dignity and our Common Home in order to sustain the invisible tyranny of money that only guarantees the privileges of a few.”

Bishop Stephen E. Blaire of Stockton, Calif., listens to a speaker Feb. 18 at the U.S. Regional World Meeting of Popular Movements in Modesto, Calif. His diocese hosted the event. (CNS/Dennis Sadowski)

Many voices then spoke from diverse perspectives but shared the urgency of being one people in one fight (one ‘witness’ as Cardinal Peter Turkson called it) “to rebuild society in which every person is seen as fully human, has a full voice in the decisions that shape their lives, and is able to thrive and reach their human potential.”  The noise was that of great enthusiasm for “disrupting oppression and dehumanization” as Bishop Robert McElroy, Archbishop Jose Gomez, and others spoke about and “rebuilding” systems that promote and protect justice in ownership of land, for working people, in housing, for immigrants, and in ending racism. One might wonder why the meeting was held in Modesto, California, and not some large city easily reachable by modern modes of transportation. The answer simply is that the planners felt that the great Central Valley in California provided a location that reflected the challenges being faced all over the country.

The Central Valley is one of the richest agricultural areas in the world but struggles with issues of water, clean air, higher unemployment, lower wages, thousands of annual migrant farm workers, large percentages of immigrant peoples, human trafficking, homelessness, and a host of other social issues including violent gangs, hunger, school drop outs, etc.   But at the same time there are so many who live in the Central Valley who want to make life better for all who live and work there. The Regional Meeting received a warm welcome and recognition by those who knew about its purpose. What made this meeting different from other church or community gatherings?

Cardinal Peter Turkson, prefect of the Vatican’s Dicastery for Promoting Integral Human Development, poses for a photo Feb. 16 with Lira DeMoraes, a volunteer with the Merrimack Valley Project in Massachussetts at the start of the U.S. regional World Meeting of Popular Movements in Modesto, Calif.

It was the first time in the United States that community organizers from across the land were invited by the Church to come together so that the Church might hear from the people experiencing exclusion, dehumanization, and the pain of poverty.  Pope Francis had previously convened three World Meetings of Popular Movements. He spoke at all three about overcoming the globalization of indifference by “placing the economy at the service of peoples; working for peace and justice; and defending Mother Earth.” To this regional gathering in the United States the Pope sent a written greeting wishing that the “constructive energy” of this meeting “would spread to all dioceses, because it builds bridges between peoples and individuals…that can overcome the walls of exclusion, indifference, racism, and intolerance.” The Holy Father acknowledged with gratitude the sponsors of this gathering: The Catholic Campaign for Human Development; the host bishops from the three dioceses in the Central Valley; and Cardinal Peter Turkson, who leads the new Dicastery for Promoting Integral Human Development, and expressed his support of the popular movements.  What was different was that Catholic dioceses hosted and the Catholic Campaign for Human Development of USCCB sponsored the meeting, which was organized and run by the popular movements under the leadership of the PICO (People Improving Communities through Organizing) National Network and other organizing networks. Pope Francis highlighted PICO’s work for promoting this meeting.

Although representatives of the Churches did speak and were well received, the Church leaders, including over 20 Catholic bishops, were there to listen and to accompany participants in the dialogues.  The message from the delegates at the end of the meeting was addressed to the popular movements and leaders in the United States and globally and to the U.S. Conference of Catholic Bishops and Pope Francis. The message quoted Pope Francis and Catholic bishops extensively but also laid out the challenge, urging “our clergy and faith communities to speak and act boldly in solidarity with our people.” The message quoted Cardinal Tobin in his video address to the gathering that “faith leaders need to walk out in front and show that they are not afraid.” Pope Francis was indeed the inspiration for this gathering. Cardinal Turkson, by his presence and in his words, gave strong witness for the Church’s commitment to the integral development of the human person. Every human person has been created in the image and likeness of God, and full human development gives glory to God.

Stephen E. Blaire is bishop of Stockton, California.

 Going Deeper

The Catholic Campaign for Human Development provides ongoing support for community groups that work to transform their communities. Visit our map to find out where this work is happening where you live—then get involved!

Voice of the Poor Reflection Post-Presidential Election

dwyer pix

Tom Dwyer, National Voice of the Poor Committee Chair, Society of St. Vincent de Paul

In the wake of the tumultuous, divisive, and bitter 2016 Presidential Election marked at times with unspeakable vulgarity and personal character attacks the like of which we have not seen in our lifetime, many are now wondering what the results mean and what the future holds for our nation. I certainly am among those.

Can we return to the common good? Can we heal?  Can we retain the morality and civility of our society by re-embracing the dignity of every human person?  Do we accept the social Gospel message to be the keepers of our brothers and sisters in need?

As we ponder this as a nation, I also think about what this means for those of us who work directly with persons in poverty. For more than 175 years, seeking, listening, and ministering to the invisible in our midst has been the distinctive call of the Society of St. Vincent de Paul. To use Pope’s Francis’s imagery, our Society has been doggedly fighting the “throw-away culture” he describes so vividly – one in which the poor, the alienated, the marginalized, and the vulnerable are ignored and discarded like pieces of trash.

Let us pray that we can heal in the spirit of the “field hospital” that Pope Francis describes as one critical role of the Church. And, as Catholics, let us position ourselves as Blessed Frederic Ozanam would have us do in the middle of the “warring factions” on the battlefield, whether the fight is about class, race, income distribution, care of the poor, education, hunger, employment, trade, health care coverage, immigration, climate change, foreign policy, or any of the many issues that confront and confound us.

But we must also do more than just bind wounds and bring about a cease-fire. As Catholics, we are called not only to charity but to justice as well. For there to be sustained, real progress – or, in other words for divisiveness to be healed, for the President-elect to be a true leader of all the people, for the throw-away culture itself to be abandoned – the underlying causes which opened the wounds and started the warring in the first place must be identified, addressed, and remedies begun.

In the uncertain years ahead, the faithful can be a vital voice helping move our country and the new Administration toward that type of real progress and away from rhetoric. We have, as the Bishops teach and the Pope has repeatedly reinforced recently, a “moral obligation” as Catholics to do this.

 We must continue to be the Voice of (and with) the Poor, but we are now challenged to understand that in a new and broader way than before these elections.   Since we have come to see so clearly the extent of the alienation, the disenfranchisement, and the sense of powerlessness and hopelessness, we cannot fail now to open even wider our eyes and our hearts.  We must also be willing to work with those with whom we may not seem initially to share similar goals, aspirations, approaches, and fundamental understandings of our spiritual and human nature.

Working as we do with those who are poor, marginalized, and alienated on a daily, personal basis, we have much to bring to this collective national discussion on which we have now embarked post-election. We not only can help guide and inform new policies, legislation, and approaches that will be considered, but also interpret the ones that are pending for our fellow Catholics and others of faith and good will.  We have a singularly important role to play.

With the guidance of the Holy Spirit, let us re-double our commitment to charity and justice for all, and let us broaden our understanding that being a Voice of the Poor extends to all who are feeling left out – in whatever form that may take. Irrespective of where we may be in our understanding and discernment, let us prayerfully seek and spread the enlightenment, good news, and joy of the Gospel to the all too numerous social concerns of our time and to troubled individuals, including ourselves.

Tom Dwyer is the Chair of the National Voice of the Poor Committee, Society of St. Vincent de Paul.

Going Deeper

 As our country seeks to heal following a season of division, use these resources from to assist your efforts to encounter and reach out to others.

CCHD: A Voice of Hope for Those on the Margins

The USCCB collection to support the Catholic Campaign for Human Development will be taken up in parishes nationwide on the weekend of November 19-20. Please give generously.working-on-the-margins


Pope Francis reminds us, “we Christians are called to confront the poverty of our brothers and sisters, to touch it, to make it our own and to take practical steps to alleviate it” (2014 Message for Lent, December 26, 2013).

For the past several years I have served as chair of the Catholic Campaign for Human Development (CCHD) subcommittee, where I have seen how CCHD answers this call by giving voice to those on the margins of society experiencing the stark realities of poverty. I want to share with you the work of a few CCHD-supported groups across the country. These are just some of the many programs that speak to the dignity of each person, opening doors and providing hope for a more just and peaceful society.

The California Catholic Conference works with dioceses throughout California to advocate for criminal justice reform and provide spiritual outreach for communities. With a grant from CCHD, the California Catholic Conference expanded its Nightwalk programs in neighborhoods all over California. During Nightwalk—an event led by community leaders, elected officials, and clergy—community members walk the streets of violence-prone neighborhoods together in an effort to promote peace and reconciliation. These walks unify communities and give them a chance to find pathways out of violence together. Just as it is important to unify communities, it is also important to heal the wounds of individuals affected by crime and violence. The California Catholic Conference also sponsors healing circles that bring both victims of crime and families of the incarcerated together for honest dialogue and healing. By training more leaders to facilitate these meetings, the restorative power of God’s compassion and mercy is more widely spread. As Bishop Richard Garcia of the Diocese of Monterey said, “It’s really a question of reaching out to everyone with that merciful love of our God.”

 Through a CCHD national strategic grant, the Society of St. Vincent de Paul has been working across the country to promote the safe, effective entry of citizens returning from incarceration into communities and into the workforce. Through St. Vincent de Paul’s partnership with local Catholic institutions and the business community, as well as through programs like job training, returning citizens are able to find jobs, stability, and a future. In an effort to break the cycle of crime and prison reentry, the Society of St. Vincent de Paul also empowers returning citizens to work for the systemic changes needed to promote criminal justice reform. With these new skills, they have been able to advocate for policies that will support fair hiring practices. Through these programs and partnerships, the Society of St. Vincent de Paul is shifting systems to ensure the success of returning citizens.

Pilgrims from the Archdiocese of Cincinnati's prison ministries are seen in Rome Nov. 3. Pope Francis will celebrate a Mass for those who work in prison ministry Nov. 6 in St. Peter's Basilica. (CNS photo/Junno Arocho Esteves)

Pilgrims from the Archdiocese of Cincinnati’s prison ministries are seen in Rome Nov. 3. Pope Francis will celebrate a Mass for those who work in prison ministry Nov. 6 in St. Peter’s Basilica. (CNS photo/Junno Arocho Esteves)

Often, when juveniles are arrested their record follows them their whole lives, decreasing their chances of finding gainful employment and increasing their chances of reoffending. Together with the Catholic bishops, groups like the Direct Action and Research Training Center (DART) in Miami are working to reduce the number of juvenile arrests, giving children a real chance at success. Thanks to a strategic national grant from CCHD, DART works with school and law enforcement officials to decrease the number of school-based arrests and promote alternative, constructive interventions that give children a second chance at their future. Because of their work, school systems are now able to implement restorative justice practices affecting over 65,000 students and resulting in a decrease in suspensions and arrests.

The Catholic Campaign for Human Development (CCHD) works to be a voice of hope for those on the margins of society experiencing the realities of living in poverty. CCHD supports programs to heal the wounds of crime and violence, advocate for more just policies, protect God’s creation, and develop strong communities.

The Mercy of Jesus is abiding and always urgent. CCHD sustains the Holy Father’s initiative to bring the joy of the gospel to our brothers and sisters living on the margins of American life. Although we will soon conclude the Year of Mercy, a time of extraordinary grace, we know that our work has just begun.

Bishop Soto

Jaime Soto is the bishop of Sacramento and the chairman of the USCCB’s Catholic Campaign for Human Development.

CCHD: Dando Voz a Los Que Viven en la Periferia de la Sociedad

El papa Francisco nos recuerda que “los cristianos estamos llamados a mirar las miserias de los hermanos, a tocarlas, a hacernos cargo de ellas y a realizar obras concretas a fin de aliviarlas” (Mensaje para la Cuaresma 2014, 26 de diciembre de 2013).

Durante los últimos años me he desempeñado como presidente del subcomité de la Campaña Católica para el Desarrollo Humano (CCHD), donde he visto cómo la CCHD responde a este llamado dando voz a los que viven en la periferia de la sociedad experimentando las crudas realidades de la pobreza. Quiero compartir con ustedes el trabajo de algunos grupos apoyados por la CCHD en todo el país. Son sólo algunos de los muchos programas que ponen de manifiesto la dignidad de cada persona, abriendo puertas y brindando esperanza para una sociedad más justa y pacífica.

La Conferencia Católica de California trabaja con diócesis de toda California para abogar por la reforma de la justicia penal y brindar acercamiento espiritual a las comunidades. Con una subvención de la CCHD, la Conferencia Católica de California expandió sus programas Nightwalk en vecindarios de toda California. Durante Nightwalk, un evento dirigido por líderes, funcionarios electos y clérigos de una comunidad, miembros de la comunidad caminan juntos por las calles de vecindarios propensos a la violencia para promover la paz y la reconciliación. Estas caminatas unifican a las comunidades y les dan la oportunidad de encontrar juntas salidas a la violencia. Así como es importante unificar las comunidades, también es importante curar las heridas de las personas afectadas por el delito y la violencia. La Conferencia Católica de California también patrocina círculos de curación que reúnen a víctimas del delito y familias de los encarcelados para sostener un proceso honesto de diálogo y curación. Al capacitar a más líderes para facilitar estas reuniones, el poder restaurador de la compasión y misericordia de Dios se difunde más ampliamente. Como dijo el obispo Richard García, de la diócesis de Monterey, “es realmente una cuestión de acercarse a todos con ese amor misericordioso de nuestro Dios”.

Mediante una subvención estratégica nacional de la CCHD, la Sociedad de San Vicente de Paúl ha estado trabajando en todo el país para promover la entrada segura y efectiva de los ciudadanos que regresan del encarcelamiento a las comunidades y a la fuerza de trabajo. Mediante la asociación de San Vicente de Paúl con instituciones católicas locales y la comunidad empresarial, así como mediante programas como capacitación laboral, los ciudadanos que regresan pueden encontrar trabajo, estabilidad y un futuro. En un esfuerzo por romper el ciclo de delito y reingreso a prisión, la Sociedad de San Vicente de Paúl también empodera a los ciudadanos que regresan para que trabajen por los cambios sistémicos necesarios para promover la reforma de la justicia penal. Con estas nuevas habilidades, han podido abogar por políticas que apoyen prácticas equitativas de contratación. A través de estos programas y asociaciones, la Sociedad de San Vicente de Paúl está cambiando sistemas para asegurar el éxito de los ciudadanos que regresan.

A menudo, cuando los menores son arrestados sus antecedentes penales los siguen toda su vida, disminuyendo sus posibilidades de encontrar empleo decente y aumentando sus posibilidades de reincidir. Junto con los obispos católicos, grupos como el Direct Action and Research Training Center (DART) de Miami están trabajando para reducir el número de detenciones de menores, dando a los niños una oportunidad real de éxito. Gracias a una subvención estratégica nacional de la CCHD, DART trabaja con funcionarios escolares y de aplicación de la ley para disminuir el número de arrestos dentro de las escuelas y promover intervenciones alternativas y constructivas que den a los niños una segunda oportunidad en su futuro. Debido a su trabajo, los sistemas escolares pueden ahora implementar prácticas de justicia restaurativa que benefician a más de 65,000 estudiantes y que disminuyen suspensiones y arrestos. La Campaña Católica para el Desarrollo Humano (CCHD) trabaja para ser una voz de esperanza para los que viven en la periferia de la sociedad experimentando las realidades de vivir en la pobreza. La CCHD apoya programas para curar las heridas del delito y la violencia, abogar por políticas más justas, proteger la creación de Dios y desarrollar comunidades fuertes.

La Misericordia de Jesús es permanente y siempre urgente. La CCHD apoya la iniciativa del Santo Padre de llevar la alegría del Evangelio a nuestros hermanos y hermanas que viven en la periferia de la vida estadounidense. Aunque pronto concluiremos el Año de la Misericordia, un tiempo de gracia extraordinaria, sabemos que nuestro trabajo recién ha comenzado.

Bishop Soto

Jaime Soto es el Obispo de Sacramento y el presidente del subcomité de la Campaña Católica para el Desarrollo Humano (CCHD).

Celebrating a Victory for Racial Justice


Cheryl Sommer

In his encyclical, Laudato Si’, Pope Francis notes: “[Business] can be a fruitful source of prosperity for the areas in which it operates, especially if it sees the creation of jobs as an essential part of its service to the common good” (no.129).  Francis echoes our longstanding Catholic social teaching tradition which urges all of us, including those responsible for creating jobs, to seek the common good and promote human dignity.

In Metro-East St. Louis, people of color found themselves dealing with another longstanding practice, that of often being shut out of good job opportunities including those in the construction trades. Years of racial bias, exclusionary practices of both businesses and unions, as well as other individual actions combined to create an unjust system preventing people of color in the region from having access to employment.

Faith communities that serve low-income populations see the impact of this unjust system firsthand. Reflecting on the congregation’s charitable efforts, one pastor commented, “These people don’t want to be given coats. They want a good paying job to buy their own coats!”

This is where United Congregations of Metro-East (UCM), an interfaith group consisting of Catholic Churches and other congregations which addresses unjust systems in the region, comes in. With funding from the Catholic Campaign for Human Development (CCHD) and the support of Belleville Bishop Edward K. Braxton, UCM has been training Catholics and non-Catholics alike to change unfair employment systems.

UCM found hope in the announcement of the building of a new Catholic hospital in the area.  Catholic leaders in UCM believed that a Catholic institution would want to use the construction of its new hospital as an opportunity to open the construction trades to people of color. Hospital leadership initially pledged to work with UCM on this. For reasons not completely understood, it didn’t happen. UCM learned that the hospital had a minority hiring goal of just 8% in a region with a minority population near 40%.

Knowing of Bishop Braxton’s strong support of their work through CCHD and of his pastoral letter on The Racial Divide in the United States, UCM approached him for help. Bishop Braxton called an immediate meeting with hospital leadership, UCM, and Bruce Holland, the general contractor for construction.  Holland was himself a Catholic. Braxton firmly stated that a Catholic hospital should do better in breaking down systems of exclusion in construction jobs.  He instructed everyone to continue meeting to improve the situation.

Holland, a long-time respected business leader, opened up his office for the meetings, which were tense due to the fact that construction contracts had already been signed.  It seemed evident that there were only going to be about 8% people of color working on the hospital construction. But with Bishop Braxton’s constant encouragement and the willingness of everyone to stay at the table, understanding began to be reached. Holland was moved to offer his help to mentor fledgling non-white businesses in finding success in the construction industry.

On September 1, Holland hosted a reception at his office which was attended by 32 minority business representatives and other people of color who wanted job opportunities.  Relationships were built and minority business owners were given tips for successfully bidding for construction jobs.  Contractors were given specific people who would follow-up with them for ongoing assistance.  Some were given a promise of work very soon.

A system of exclusion from jobs for people of color still exists.  However, because of Catholics who support CCHD, the unwavering encouragement of Bishop Braxton, the tenacity of men and women who want to work, and a Catholic business owner who stepped forward with his expertise and influence to mentor others, a system of inclusion is one step closer.

Cheryl Sommer lives in the Diocese of Belleville and has worked in parish religious education for over 30 years. Cheryl is a long-time volunteer with the Catholic Campaign for Human Development and with United Congregations of Metro-East (UCM).

Going Deeper

Reflect on racial justice with Bishop Edward K. Braxton of the Diocese of Belleville, IL, in his pastoral letter on The Racial Divide in the United States.

Visit the USCCB Racism page to discern how your faith community can work for racial justice.

Suffering With Others for the Sake of Truth and Justice

Maria Cintorino, Education and Outreach Intern

Maria Cintorino, Education and Outreach Intern

Pope Emeritus Benedict XVI said in his message to the Mexican Bishops in 2005 that “it is necessary not only to relieve the greatest needs but to go to their roots, proposing measures that will give social, political and economic structures a more equitable and solidaristic configuration.”

A few weeks ago, my fellow CCHD interns and I had the opportunity to visit a parish that has taken these words to heart. Saint Camillus serves a diverse community of around 4,500 each Sunday who come from over 100 countries.

Franciscans staff the parish and have attended to the spiritual and social needs of the community since 1984.

Just last year Saint Camillus parish made the decision to join Action in Montgomery (AIM), an organization that has received funding from the Catholic Campaign for Human Development (CCHD), and which encourages residents in impoverished or low-income neighborhoods to transform their communities. With AIM’s help, Fr. Jacek Orzechowski and a team of parishioners went door-to-door in the surrounding neighborhood to listen to the community.

They soon learned that residents of Northwest Park Apartments, a large complex near the parish, are experiencing high rent, black mold, infestations of mice and bed bugs, and broken laundry facilities. Despite complaints from the tenants, management has failed to fix any of these problems. Residents reported that if they persistently asked for any of these issues to be resolved, management threatened to discontinue that their leases. Residents fear that they will become homeless.

Many residents of Northwest Park are low-income families. Apartments there cost about $1,800 per month, or $21,600 per year. With the average family living in Northwest Park earning about $25,000 per year, two or three families sometimes share one apartment to afford the cost.

The exploitation of the tenants by the management insults the dignity of the tenant and of us all. Saint John Paul II, quoting Gaudium et Spes in Evangelium Vitae, rightly speaks of subhuman human living conditions as “infamies.” Whoever insults human dignity, he writes, poisons human society. When we neglect to care for our neighbors, or treat them in ways which degrade their inherent dignity bestowed by God, we offend God, in whose image our neighbors are created.

When the sacredness of human life is violated, our proper response should be “to suffer with the other and for others; to suffer for the sake of truth and justice; to suffer out of love and in order to become a person who truly loves—these are fundamental elements of humanity, and to abandon them would destroy man himself” (Spe Salvi). The ability to suffer with another and to become an advocate for another is part of our Christian duty.

Fr. Jacek and lay leaders in the parish seek to suffer with others for the sake of truth and justice, as they work with their tenant neighbors to improve conditions at Northwest Park Apartments. Their example recalls the words of Saint Paul: “if one member suffers, all suffer together.” Supported by Saint Camillus and other community institutions that have joined the struggle, the tenants are now standing up for their own dignity.

Hearing and seeing the work of Saint Camillus with AIM at the beginning of my internship was a tremendous blessing. Their commitment to defending human dignity is inspiring and exemplifies the complimentary roles of evangelization and social justice. The example of Saint Camillus further fuels my passion to defend and to protect man’s inherent dignity given by God, and to educate others about social justice issues in their own communities. This visit has encouraged me to learn about groups such as AIM who are making a difference in my own community and to further explore how our political, economic, and social structures can be improved in the fight for Truth and Justice.

Maria Cintorino is the education and outreach summer intern at the USCCB Department of Justice, Peace and Human Development. She currently teaches at a Catholic school in Northern Virginia.

Go Deeper!

This year, 29 Catholic emerging leaders are serving in dioceses around the country in the Catholic Campaign for Human Development (CCHD) Internship Program.  Applications to the program are accepted annually, beginning in January.

A Catholic call to end payday lending abuses

Jean HillSay the words “payday lender” and stories of friends, family members, or neighbors who sought quick loans to make ends meet and ended up caught in a devastating cycle of debt will begin to flow. Often, these stories begin with someone living paycheck to paycheck and unsure how to make a rent payment, buy food, pay bills, and cover other expenses short term. The tales end with harassing phone calls and court filings for repayment of ridiculously high-interest rate loans, and mounting debts that now include court costs.

As Catholics, we are called not only to empathize with these stories, but to act to protect the poor and vulnerable who find themselves preyed upon by unscrupulous businesses.

Prohibitions against charging outrageous interest on loans go back to Babylonian times. More than one Old Testament prophet condemned usury, along with exploitation of the poor. Yet usury not only persists in our modern economy, it prospers.  In 2010, there were an estimated 19,700 payday loan stores in the U.S. (That number does not include Internet loan sources. A recent federal agency report found at least 332 separate Internet loan providers). Thirty-two states permit loans with triple digit or no caps on the amount of interest the lenders may charge.

The Catholic Catechism insists that “economic life is not meant solely to multiply goods produced and increase profit and power; it is ordered first of all to the service of the entire human community.” In theory, payday lenders provide a service to individuals who are often barred from traditional bank loans. In practice, however, these loans are vehicles for exploiting people already in a highly vulnerable financial state.

In a typical payday loan transaction, the customer seeks to make ends meet until the next paycheck, or maybe two. Unlike a traditional loan, however, the individual will not sit down with the lender and determine a reasonable repayment structure based on ability to pay.  The customer will not be able to bargain for a better rate or realistic payment plan.  Instead, the astronomically high interest rates (the national average is above 400% per loan), fees and payment schedule will be based solely on the needs of the lenders.

In short, the loan is all about the profit of the business, rendering the persons seeking help, in the words of Pope Francis, “as consumer goods which can be used and thrown away.”

The social doctrine of our faith compels each of us to be involved in changing such an unjust system. We can raise our Catholic voices to remind payday lenders that their customers are first and foremost human beings, not profit centers. We can insist that our state and federal governments establish reasonable limits on the actions of the lenders to ensure they are not “so powerful as to reduce the [consumer] to subservience.”

Now, as the Consumer Financial Protection Bureau considers regulations to address some payday lending abuses, is an opportune moment to challenge our congressmen and women to take additional actions against usury to protect the working poor, as our Pope and our doctrine urge us to do.

Jean Hill is Government Liaison for the Catholic Diocese of Salt Lake City. Salt Lake City, Utah.

Go Deeper!


Turning Passion into Progress

Members of the Essex Community Organization, an MCAN affiliate in the North Shore of MA, join together at Zion Baptist Church in Lynn at a meeting with the Lynn Police Department Chief, and participate in a liturgy of justice to ground their work in prayer.

Members of the Essex Community Organization, an MCAN affiliate in the North Shore of MA, join together at Zion Baptist Church in Lynn at a meeting with the Lynn Police Department Chief, and participate in a liturgy of justice to ground their work in prayer.

“They are passionate in everything they do. They are passionate in their concern for the underdog. They are passionate about leveling the playing field. They are passionate about helping people who have no voice to find a voice.”

When I heard this description of the people of the Massachusetts Communities Action Network (MCAN), it took on the cadence of a litany. It was a litany of what it takes to grow a handful of local community groups into a successful, well-respected statewide organization that has earned its place at the table. MCAN has received Catholic Campaign for Human Development (CCHD) grants from both local and the national offices throughout their existence to help translate the passion of its organizers and members into effective, lasting progress for low-income people throughout Massachusetts.

MCAN members gather with coalition partners at Raise Up Massachusetts outside the Massachusetts State House to turn in a record-high number of petition signatures to raise the minimum wage.

MCAN members gather with coalition partners at Raise Up Massachusetts outside the Massachusetts State House to turn in a record-high number of petition signatures to raise the minimum wage.

MCAN has strong roots in Catholic parishes and has been a resonant voice for immigrants and low-wage workers. Each of the member organizations has an impressive decades-long record of accomplishment with local grassroots issues. But when they came together, they created energy, momentum, and passion. With months of persistent, patient door-to-door visits and community meetings, MCAN and the Raise Up Massachusetts coalition mobilized support in the state legislature and among voters for two measures that affect more than one million low-income people: an increase in the minimum wage and employer-provided earned sick time.

In recognition of their enthusiasm and unflagging work in support of and in solidarity with oppressed people, MCAN was presented the Sr. Margaret Cafferty Development of People Award. I assure you we were delighted to recognize a longtime funded group that is passionate about holding elected officials accountable and creating solutions to the underlying causes of poverty.

MCAN engages younger generations in the importance of community organizing and voting. These four children of leaders in Brockton helped canvass for the 2014 Earned Sick Time Ballot Initiative in Massachusetts.

MCAN engages younger generations in the importance of community organizing and voting. These four children of leaders in Brockton helped canvass for the 2014 Earned Sick Time Ballot Initiative in Massachusetts.

MCAN is not resting on its laurels. It continues its work to reform the justice system and is already gearing up to support a 2018 constitutional initiative that will fund education and transportation with a new tax on people who make more than $1 million a year.

“They are passionate about everything they do.” What a terrific accolade!

Throughout the long, gray winter and this joyful Easter season, I thought about the myriad people who step out of their natural comfort zones to work for justice. I have been blessed to meet many people who work for CCHD-funded organizations and consistently put their families and others before themselves as they strive to help the entire community move beyond poverty. Thank you to all of the supporters of CCHD who help us offer training, support, and encouragement to groups like MCAN. I am grateful.


Ralph McCloud, CCHD

Ralph McCloud serves as the director of the USCCB Catholic Campaign for Human Development. Learn more about the work of CCHD and follow on Twitter @EndPovertyUSA.

Learn more about MCAN’s organizing work and the Sr. Margaret Cafferty Development of People’s Award in the latest edition of the CCHD quarterly newsletter Helping People Help Themselves.

See other CCHD groups’ Stories of Hope on PovertyUSA.