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- 11:15 PM

CANTON, Ohio � This city of 73,000 is known for a few things � the Pro Football Hall of Fame, the presidential library of William McKinley, a lively downtown arts scene. Clark's road to the payday loans began in 2003, when his wife slipped on ice and broke her ankle, which required surgery to restructure it. His wife, a retail employee, was unable to work for several months, Clark said, and was ineligible for benefits from her employer.

As an analogy: While you would not choose to take a taxi from San Diego to Las Vegas, it is common to take a taxi for a short distance such as from your hotel to a nearby restaurant. The rules would radically reshape, and in some places eliminate, payday borrowing in the 36 states where lenders still operate, according to Richard P. Hackett, a former assistant director at the Consumer Financial Protection Bureau.

Nor should it surprise you that a government agency called the Consumer Financial Protection Bureau is trying to regulate an industry like the payday industry. In the United States, early, illegal payday-like loans trapped many borrowers, and harassment by lenders awoke the ire of progressives.

You can get a Check Into Cash title loan or title pawn if you reside in Alabama , Arizona , California , Georgia , Idaho , Illinois , Kansas , Louisiana , Mississippi , Missouri , New Mexico , Ohio , Tennessee , Texas , Virginia or Wisconsin , and Check Into Cash�intends on adding more states to this list.

Credit card companies make balance transfer offers because they want to steal business from their competitors. It complies with Ohio's rules by charging just $5.43 in interest, paid to a third-party bank, on a two-week loan of $500 � but it adds to that $67.50 in fees, most of which it keeps.

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