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Federal regulation of payday advances is a victory for states’ liberties

Why the us government must intervene to limit predatory lending

Back 2014, during the very very first period of their hit HBO show “Last Week Tonight,” John Oliver took in the payday loan industry. Boggled by loans that carried as much as a 1,900 percentage that is annual (APR), Oliver offered up a revised form of the “Lion King” theme song. “It’s the circle of financial obligation!” he sang. “And it screws us all.” Oliver explained that the outrages of this pay day loan industry couldn’t be stopped because “they are extremely great at avoiding regulation.”

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