Texas cities Bryan and College Station are asking state legislators to help push back against payday and auto title lenders. Thirteen such businesses operate in the Bryan-College Station area, according to the Office of Consumer Credit Commissioner. There is currently a debate about whether lenders should be regulated like banks or credit unions. The United Way of The Brazos Valley says the short-term lenders have a detrimental effect on middle- and low-income families. Of nearly 14,000 local payday loan transactions that took place between January and June 2012, borrowers paid $1.3 million in fees; about 75 percent of borrowers refinanced; and 101 vehicles were repossessed. Alison Prince, vice president of community impact for the United Way of The Brazos Valley, hopes that lenders come under stricter state regulation -- such as restrictions on the amount of interest charged, or provisions allowing borrowers to pay on the principal of the loans. The College Station City Council will look at a staff-recommended resolution this week that calls on the state Legislature and Gov. Rick Perry to take action in the 2013 legislative session.