Broke, USA gives an overview of the businesses serving the working poor from all angles. It outlines the numerous reform efforts taking place across the country, follows employees working payday lending operations, and entrepreneurs starting tax preparation services that predominantly serve low income areas. 

The book reflects on the critical need to provide financial services to individuals with poor credit, specifically financing opportunities without predatory terms. The book highlights the incredible lengths consumer financial companies went to provide loans above 20% to individuals without the means to repay them. Many elderly individuals with fixed incomes and home equity were targeted, and many of the financial reforms fight against predatory financial terms that the consumer doesn’t understand. 

I enjoyed the majority of the book, and it provided an interesting dialogue on building financial responsibility and literacy. The second half of the book felt a little repetitive and got into the weeds of legal cases.