Tribal sovereignty allows the rancherias†businesses to claim immunity from state usury laws, making them convenient shelters for lenders who want to evade regulators. Yet little of the revenue that flows through these tribal businesses ends up in the rancheria or benefiting tribal members, as attested by the cluster of rundown houses nearby, where some members of the tribe live. They donвЂt look like villainous tycoons preying on low-income Americans.

They look more like those cash-strapped loan local cash advance places themselves. The payday lending enterprises are not operated out of the settlement, and Habematolel Pomo members interviewed on a recent visit said none of them had any jobs related to payday lending. In fact, there are few jobs of any kind here. William Snow, 51, left the settlement straight out of high school. “ThereвЂs nothing for young folks to do around here,” he said.

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