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the study period. Notes: We make the assumption that if payday loan restrictions in 2009 are identical to the restrictions for 2005, then these restrictions were also in effect for all intervening years. 2. Maximum loan amount. Sources: National Consumer Law Center, “Survey of State Payday Loan Laws” (2005); National.

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In April 2004, Georgia became one of the nineteen states that has abolished payday lending. Violating Georgia's law that states charging more than 60% interest on loans under $3,000 is a felony. A company called EZ Cash, Inc. has recently been caught charging customers the equivalent of 600% simple interest rates.