This Reports and Briefing Papers takes a closer look at House Bill 2191, legislation promoted by payday lenders to relax consumer protections from payday lending. Contrary to the claims of its supporters, HB 2191 would not create new economic activity in Pennsylvania it will create some near poverty-wage, high-turnover jobs at storefront payday lending locations. Beyond this, legalizing payday lending will reduce spending and therefore employment in other sectors of the Pennsylvania economy.