More than 1.2 million Arizona voters rejected Proposition 200, which would have permanently legalized 300 percent annual percentage rate payday loans in the state. Since that pivotal 2008 ballot initiative, lenders have made other attempts to circumvent the state's consumer-loan laws, only to be rejected in the Legislature. Lenders are turning to auto title lending as another way to engage in high-cost financing, Arizona Community Action Association executive director Cynthia Zwick writes. These products also charge triple-digit interest rates and risk the checking accounts and automobiles of the most financially vulnerable consumers. Title loans, she warns, can push families into even more desperate financial situations -- especially in rural communities -- and increase their risk of bankruptcy, delinquency on other bills, and account closures. The editorial recommends ongoing, targeted efforts to enforce the voters' mandate and end triple-digit interest rate loans.