I find a statement that the Stephanie Honan, the spokesperson for Fifth Third Bank made in the original Bloomberg article interesting.  She states that Fifth Third Bank complies with all applicable State and Federal Banking Regulations.  I own a payday lending store operating in Ohio and Fifth Third has become a competitor and they are charging 10% of the amount borrowed.  The majority of the time we see their customers taking out $500 and they charge them $50.  As a licensed payday lender operating under the existing law in Ohio I am only allowed to charge that customer about $28 to $30, depending on how many days they take the loan out for.  How are they allowed to operate in our arena and not follow the same rules?