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The very purpose of an online lender affiliating with a tribe is specifically and expressly so that they can lend in violation of state laws, Ellen Harnick, a payday lending expert at the Center For Responsible Lending, told HuffPost.
And it's the poorest Americans -- the ones who need quick cash to address the most pressing issues in their lives -- who are most at risk. State regulators have taken numerous measures to protect borrowers, passing laws limiting the size and frequency of short-term loans and setting maximum interest rates that lenders can charge borrowers.
Laws in 14 states and D. that outlaw payday lending make online, high-interest installment lending illegal as well. The Consumer Financial Protection Bureau is also in the midst of writing the first federal payday lending regulations.