The effort to change state laws around payday loans really hasn't made much, if any, progress over the past number of years. But a reform bill heard last week, backed by consumer advocates and some lenders, may be the best chance ― albeit small ― that payday loan reform has seen in Kansas for a while. "It has more positives than any of the ones that I can remember seeing before," said Rep. Jim Kelly, R-Independence, who has chaired the Kansas House's financial institutions committee for many years. "This is one that I think is more workable than some of the ones that have come over the past years that I've been here."