However, some elected lawmakers like to go rogue and do whatever is best for them. Protecting their constituents.

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The report goes on to note that payday loans are extremely expensive, and borrowers who take a payday loan are at a disadvantage in comparison to the lender, a reversal of the normal consumer lending information asymmetry, where the lender must underwrite the loan to assess creditworthiness. A recent law journal.

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That's still a popular approach for smaller amounts – but increasing numbers of people are starting to take larger loans from friends and family members – especially. What's All This About Tax? Good question. The problem is that a loan still counts as an asset – you own the debt and expect to get the money returned to you.

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