Payday lenders like Cash Advance are predatory financial institutions that prey on their poor, mainly black and Latino customers with triple digit interest rates and unfair repayment terms. Groups advocating on their behalf, like The Community Financial Services Association and the Consumer Rights Coalition, say that they fill a void in "underbanked" communities and therefore should not be regulated by the impending financial reform that will affect all financial services companies.

These communities need financial services, but they also need lenders to be honest, transparent and not attempt to nickel-and-dime their way to unearned profits. Tell the U.S. Senate, whose members are preparing to vote on financial reform, that payday lenders don't deserve a break. The payday loan industry needs reform.