1.   Check-cashing businesses are charging astronomical interest rates on so-called payday loans, two consumer groups reported, in a practice they called quasi-legal loan sharking.

2.   --Limit rollovers of payday loans to four, if states where they operate allow such rollovers.

3.   National banks could use a check-cashing outlet to make payday loans because they are not covered by state laws, Fox said.

4.   One business, Advance America, says it provides payday loans but does not accept post-dated checks, the past practice for payday lenders.

5.   Payday loans and tax refund advances often come with astronomical interest rates and fees.

6.   Payday loans have caused an uproar among advocates for the poor.

7.   --Provide consumer information about the responsible use of payday loans and advise against long-term misuse.

8.   Some people get into a never-ending cycle of going from one payday loan to another, without being able to pay back the principal.

9.   Some national banks also offer payday loans.

10.   The Consumers Union has asked the Texas Legislature to make it illegal for lenders to pursue or threaten to pursue hot check collection against borrowers on payday loans.