(News & Observer) — African-American communities across North Carolina recently reported receiving “robocalls” urging support for the Consumer Finance Act Amendments bill in the state legislature. The recorded message was from Americans for Prosperity and claimed that the bill will create jobs by increasing credit from “hometown lenders” to “small business and families.” Unfortunately, there’s nothing that could be further from the truth. In these times of economic difficulty, working families are at greater risk of abuse by big banks and corporations. That includes abuse in the form of predatory lending and practices like charging excessive fees and jacking up interest rates. Interestingly, North Carolina has some of the strongest laws on the books against predatory lending, leaving us less at the whim of those looking for massive profits at our expense.