You can still get credit if your finances are a mess. It will just cost dearly. A sweeping credit card law that took effect yesterday is supposed to prevent banks from employing tactics that push borrowers deeper into debt. Yet loans and cards with crushing terms still beckon.

A number of social policy groups have joined forces in a campaign to put limits on payday lending in Texas.

One of the owners of a payday loan and debt collection operation has agreed to settle Federal Trade Commission charges for his role in a scheme that illegally tried to garnish borrowers wages and used other illegal debt-collection practices.

Proponents of an initiative that would cap the interest rate for payday and title loan lenders held a rally in Great Falls on Wednesday.

Opponents worry an initiative to cap interest rates on payday loans could drive them out of business. Voters will decide Initiative 164 in November. Wednesday, supporters rallied in Missoula. Right now, lenders can charge more than 400% interest annually.