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Ross Reddick, a Presbyterian minister from Sylacauga, Ala., holds a sign during a rally concerning predatory lending legislation Tuesday, Feb. 4, 2014, in Montgomery, Ala. Two Birmingham-area legislators are again trying to cap the interest rates on payday and title loans, but they admit it will be hard to enact in an election year.  (AP PHOTO/AL.com, Julie Bennett)   albinap(AP Photo/AL.com, ) MAGS OUT  (REV-SHARE) MBI

Ross Reddick, a Presbyterian minister from Sylacauga, Ala., holds a sign during a rally concerning predatory lending legislation Tuesday, Feb. 4, 2014, in Montgomery, Ala. Two Birmingham-area legislators are again trying to cap the interest rates on payday and title loans, but they admit it will be hard to enact in an election year. (AP PHOTO/AL.com, Julie Bennett) albinap(AP Photo/AL.com, ) MAGS OUT (REV-SHARE) MBI

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