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1. A recent unpublished manuscript whose conclusions were widely circulatedin the electronic media (Zinman, 2009) claimed that Oregon 2007 payday loan(PL) rate-limiting regulations (hereafter, "Cap") have hurt borrowers.  2. The report's main conclusion, phrased in cause-and-effect language in theabstract - "...restricting access caused deterioration in the overall financialcondition of the Oregon households..." - relies on a single, small-samplesurvey funded by the payday-lending industry (PLI). The survey is fraught withmethodological flaws.  3. Moreover, survey results do not support the claim that Oregon borrowersfared worse than Washington borrowers, on any variable that can be plausiblyattributed to the Cap.  4. In fact, Oregon respondents fared better than Washington respondents ontwo key variables: on-time bill payment rate and avoiding phone-linedisconnects. On all other relevant variables they fared similarly to Washingtonrespondents. In short, the reported claim is baseless.

Is There Statistical Evidence that the Oregon Payday-Loan Rate Cap Hurts Consumers?