$PAYDAY.BOT

// 03 — Law Tracker

Where the walls are.

Eighteen states + DC have effectively shut payday lending down. Six more cap it at 36% APR. Bill tracking via OpenStates API.

13
Banned / 36% effective

Loans not viable as payday.

12
Hard APR cap

Statutory ceiling at 36% or below.

26
Triple-digit APR legal

No meaningful rate cap.

Law Status Map

Bubble size = CFPB complaint volume · Click for details

Active legislation

demo data — add NEXT_PUBLIC_OPENSTATES_KEY

Recent payday loan bills across state legislatures.

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Banned

13
  • AZ · Arizona36%
  • AR · Arkansas17%
  • CT · Connecticut12%
  • GA · Georgia60%
  • MD · Maryland33%
  • MA · Massachusetts23%
  • NJ · New Jersey30%
  • NY · New York25%
  • NC · North Carolina36%
  • PA · Pennsylvania24%
  • VT · Vermont18%
  • WV · West Virginia31%
  • DC · District of Columbia24%

Capped

12
  • CO · Colorado36%
  • HI · Hawaii36%
  • IL · Illinois36%
  • ME · Maine30%
  • MT · Montana36%
  • NE · Nebraska36%
  • NH · New Hampshire36%
  • NM · New Mexico36%
  • OH · Ohio28%
  • OR · Oregon36%
  • SD · South Dakota36%
  • VA · Virginia36%

Legal

26
  • AL · Alabama456%
  • AK · Alaska435%
  • CA · California460%
  • DE · Delaware521%
  • FL · Florida304%
  • ID · Idaho652%
  • IN · Indiana391%
  • IA · Iowa337%
  • KS · Kansas391%
  • KY · Kentucky460%
  • LA · Louisiana391%
  • MI · Michigan369%
  • MN · Minnesota200%
  • MS · Mississippi521%
  • MO · Missouri443%
  • NV · Nevada652%
  • ND · North Dakota487%
  • OK · Oklahoma390%
  • RI · Rhode Island261%
  • SC · South Carolina391%
  • TN · Tennessee460%
  • TX · Texas664%
  • UT · Utah658%
  • WA · Washington391%
  • WI · Wisconsin574%
  • WY · Wyoming261%

Recent reform timeline

2023
New Mexico
HB 132: 36% all-in APR cap
2022
Hawaii
Reformed payday law into installment, 36% cap
2021
Illinois
Predatory Loan Prevention Act — 36% APR
2020
Nebraska
Initiative 428 — 36% APR cap (voters)
2020
Virginia
Fairness in Lending Act passed
2018
Ohio
Fairness in Lending Act — 28% cap
2018
Colorado
Prop 111 — 36% APR (voters, 77%)
2016
South Dakota
Initiated Measure 21 — 36% (voters, 76%)