Galloway. >> these blow backs, these blow my mind. payday lending is the most predatory lending to the most vulnerable borrowers. >> so i will give you the rational or i will give you the talk track, the talk track is if you unleash this industry from regulations that'll track more players in the invisible hand of competition will bring down rates and offering more products to them. >> that was not the case before the financial crisis. these guys were the definition of loan sharks before they had the regulation, they were not any better, they were horrible. that's why we got the regulation in ...