Usury is good for you. That's the lesson from an article in today's WSJ In a victory for consumers, Washington D.C. The

Are Americans really just getting that much riskier as borrowers that lenders have to tighten the screws so much? — BEN POPKEN

Do payday loan centers target minorities? If there's any doubt in your mind, consider an instructional course offered by the Community Financial Services Association of America (CFSA,) a payday loan trade group. The couse is titled, "Building Community Support: Strategies for Business Survival."

One of the summary bullets points says the course advises students on, "how to develop mutually beneficial partnerships with minority organizations."

We'd watch it, but at $125, the price is a little steep. Maybe we'll take out a payday loan to cover it. — BEN POPKEN

CFSA [Official Site]