The Huntsville City Council is calling for the Alabama Legislature to pass stricter rules on payday and car title lenders. Last week, it unanimously passed a resolution that asked state lawmakers to "further protect the citizens of Huntsville and all of Alabama from predatory lending practices." According to Councilman Bill Kling, payday lenders' interest rates sometimes can reach beyond 200 percent annually, causing many borrowers to struggle to pay off the principal; so he recommended a "reasonable cap" on the allowable interest. The resolution points out that Huntsville has seen a "proliferation" of payday and auto title lenders licensed to operate under the Alabama Deferred Presentment Services Act and Alabama Shop Act. Short-term lending practices can have "devastating effects" on poor and elderly citizens, the resolution warns.