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The Federal Reserve conducted a study, which showed the benefit of the financial option, are still controversial in some places such as payday loans. Georgia, who is all about regulating all areas of finance, just reached a settlement with the Advance America Company, one of the nation's largest lenders of payday loans. The company was driven out of the state, then sued, and just had to close all of its stores in New Hampshire. So instead of combating the real causes of poverty, they'd rather go after a tool used by practically exclusively middle class consumers like payday loans are. To read more check out this articles at http://personalmoneystore.com/moneyblog/2009/02/12/payday-loans-and-free-choice-abused-by-ga-nh-lawmakers/