http://www.texasautotitleloan.com/blog/auto-title-loan/payday-and-auto-title-lending-businesses-under-microscope/
http://www.texasautotitleloan.com/title-loans/auto-title-loan-texas
Texas is a state that aggressively tried to curb predatory lending. State laws say that all lenders need to be licensed by the state. Honest lenders welcome this law because it takes pressure off of them to prove they're honest.