Or at least against banning them: “[S]ince the loans were banned in 2005 in North Carolina, compared to states where payday lending is permitted, households in NC have bounced more checks and complained more to FTC about lenders and debt collectors. ‘The increased credit problems contradicts the debt trap critique of payday lending, but is consistent with the hypothesis that payday credit is preferable to substitutes such as the bounced check protection sold by credit unions and banks or loans from pawnshops,’ states Morgan.”