Chattanooga lender and philanthropist Carey V. Brown shut down his payday loan websites after correspondence from New York regulators called on banks to cut access for what it called "illegal lenders." The letter, sent earlier this month, asked banking officials to keep lenders such as Brown from accessing the automated clearinghouse system that allows them to deposit or withdraw funds to and from consumers' personal bank accounts. Brown's websites -- including DiscountAdvances.com, MyCashNow.com, and PayDayMax.com -- were charging fees higher than the legal limit in many states and were operating in Tennessee without a license. Brown argues that his websites are technically operated from offshore computer servers that are exempt from state law. He eventually stopped lending in Tennessee and in other states where attorneys general had filed cease-and-desist letters against his businesses. Some of Brown's lending competitors try to operate within state law by tailoring their online offerings to the rules in a particular customer's state.