[specialist]

Every year there's a genuine effort to reign in payday lenders in my state. Alas, those businesses know how to lobby. Bills die in committee, key votes won't budge, etc.

"Petty" issues like this don't light the activists' fire sufficiently to bring the heat required to push thru change. Another similar issue is predator towing operations. Every one agrees they have to go, but they're far down on the list of priorities.