Notes on programming by style of legislation References AVERY, R., AND K. SAMOLYK (2011): “pay day loans compared to Pawnshops: the results of Loan charge limitations on domestic Use”, Working report. BHUTTA, N., P. SKIBA, AND J. TOBACMAN (2012): “payday loans selections and effects,” Vanderbilt college Law & Economics doing work papers no. 12-30. FDIC