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IMPLICATIONS FOR PAYDAY LENDING IN THE STATES. 55. IV. RECOMMENDATIONS. 59. Place clear, understandable, loophole-free caps on interest rates for both installment loans and open-end credit. 59. Structure lending laws to eliminate incentives for loan-flipping. See Section I(B). 59. Require terms that enable 

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Jun 21, 2016 A case before the Supreme Court of Georgia Tuesday asks whether online payday lenders can legally operate in the state. Georgia law prohibits payday loans, which are small loans that typically have to be paid back within a short period – often at a great cost. Nevertheless, three online companies,