Ohio's Payday Lending Regs May Inform Other State Efforts

Law360 (August 16, 2019, 2:23 PM EDT) -- The payday-lending industry is often the target of vigorous and deserved criticism. Critics have long argued for consumer protection against the excesses of the industry. They assert that the danger of payday loans is not only in the high interest rates and fees charged by lenders, but also in the fact that borrowers are often not fully informed of these charges, do not understand how these charges can add up if loans are extended, and do not recognize the dangers of becoming immersed in a never-ending cycle of increasing debt to payday lenders.

The payday loan process is simple: In exchange...

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