Despite the efforts of religious leaders, consumer activists, and several lawmakers, a bill to reform Texas' payday loan industry failed to pass. Still, the campaign must go on, urges an editorial in the Dallas Morning News. The piece recommends that efforts start with Lt. Gov. David Dewhurst and House Speaker Joe Straus appointing an interim legislative committee to explore solutions -- possibly under the leadership of Sen. John Carona (R-Dallas). The editorial points out that lawmakers have been unable to agree on the right of cities to regulate the industry and notes that many cities -- unlike Dallas -- lack a strong code. Payday lenders, unwilling to deal with city codes on an individual basis, hope that legislators undermine local rights to regulate the businesses. Texas cities should develop and enforce strong local laws against payday lending. The interim committee could target lenders' increasing use of technology, such as the Internet and mobile devices, to draw consumers. The panel also should work toward a bill that contains appropriate consumer protections while also inviting industry support. If that fails, it should provide sufficient research to support a bill that lawmakers could pass in spite of industry pressure.