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The payday loans regulations may be off the ballot in Missouri, but the topic is not out of the news. There were two opposing sides, each with a story, trying to be heard by as many residents of Missouri. In order to get their initiative on the ballot, there needed to be a certain amount of signatures within each district. Because the group, Missourians for Responsible Lending did not make their signature quota, their initiative to harshly regulate the payday loan industry was never put on the ballot.
Missourians for Responsible Lending have more to say on the subject. This group, which was started out by church representatives looking to prevent residents from getting further into debt, looked to help those financially struggling. These folks strongly feel that payday loan lenders are predators and banning the industry from their state was what they aimed for. They believe that from the beginning, payday loan lenders were pushing to stop their initiative through confusion and supporting politicians monetarily.
According to the Missourians for Responsible Lending, there were some "goings on" which led their initiative to failure. The group believes:
*A different initiative was set up at the same time to confuse residents as to which one was meant to limit payday loans.
*Opponents had lots of money to pour into preventing more regulations.
*A box of signed ballots was mysteriously taken from an unlocked car.
*Alleged that threatening letters were sent to churches who supported the initiative.
*Ads, letters and newspaper stories were supposedly made public to confuse the efforts.
One side of the story relates that these efforts were trying to persuade the residents that the regulations of these loans would destroy the lending industry and prevent people who needed the loans from getting one. Another topic of
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