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Associated Press
Maranda Brooks stands outside a payday loans business that she frequented in the past Thursday, Jan. 22, 2015, in Cleveland. Troubled by consumer complaints and loopholes in state laws, federal regulators are putting together expansive, first-ever rules on payday loans aimed at helping cash-strapped borrowers from falling into a cycle of high-rate debt. Analysts often point to Ohio for its complicated history with payday loans:  Ranking fourth in the nation in the share of people who took out payday loans, at 10 percent, Ohio also was third among states in the number of consumer complaints to the CFPB about payday loans, behind Texas and California. (AP Photo/Tony Dejak)

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