Robert W. Snarr, Jr., Supervising Examiner "No Cash 'til Payday: The Payday Lending Industry" Supervision, Regulation and Credit , First Quarter 2002, US Federal Reserve Bank of Philadelphia (http://www.phil.frb.org/src/srcinsights/srcinsights/q1cc1.html)
Gregory Elliehausen and Edward C. Lawrence, "Payday Advance Credit in America: An Analysis of Customer Demand," Monograph #35, Credit Research Center, McDonough School of Business, Georgetown University, April 2001.
Stephens Inc., "Payday Advance - The Final Innings: Standardizing the Approach" September 22, 2000, p. 5. "Non-Bank Financial Services" Industry Notes, March 23, 2000, p. 3.
"The Debt Cycle: Using Payday Loans to Make Ends Meet" National Endowment for Financial Education website http://www.nefe.org/pages/whitepaperpaydayloans.html
Tom Lehman, "In Defense of Payday Lending" The Free Market, Vol. 21, No. 9, pp.1-4.
Michelle Hodson, Serena Owens, Steve Fritts, "Payday Lending" January 29, 2003. http://www.fdic.gov/bank/analytical/fyi/2003/012903fyi.html