In answer to my question
"Is legalized usory really what PA needs?" the State House apparently says yes
The State House of Representatives has approved a bill legalizing the practice of short-term "payday lending" at interest rates over 400 percent, after stripping away at what its sponsor said was a key consumer protection.
The measure will go to the State Senate next. It's not entirely clear where Gov. Rendell stands on this issue -- the quote given here was "Gov. Rendell, who favored the original bill, promised a veto it if it reaches him in its current form." In what form would this bill not be about legalizing financial predation? hmmm...