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Every year, bills pop up in Olympia to rein in the payday loan industry. Rep. Sherry Appleton (D Kitsap) has made an annual tradition of introducing a bill that would limit the interest rate these lenders can charge, capping it at 36 percent (down from fees equal to about 391 percent today).
The cited article does not strike me as a particularly strong or impartial source, though it does raise interesting points about the lack of credit union presence in the payday loan market and the relative affordability of credit union payday loan alternatives. Further, one key point from the article not mentioned by Mr. Fullmer that payday lenders are viewed as more convenient compared to credit unions.
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