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		Executive Summary
		Introduction
		Payday Loans Migrate from Store Front to Cyberspace
		Banks Play a Key Role in Internet Payday Lending
		Internet Payday Lending Latest Tactic to Evade Consumer Protections
		Jurisdiction and Enforcement
		Kansas Cases
		New York Order
		Internet Payday Lenders Difficult to Identify
		Making Payday Loans via the Internet: How it works
		Marketing Internet Payday Loans
		CFA Survey of 100 Internet Payday Loan Sites
		Repayment Options/Collection Terms
		Serious Risks to Consumers of Internet Payday Lending
		Collection Problems Exacerbated by Electronic Lending
		Security and Privacy Risks of Internet Payday Lending
		Electronic Fund Transfers Rules and Debit-Based Payday Lending
		Stopping Payment on Debits
		Recommendations and Advice to Consumers

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