Payday lending restrictions in Iowa City have stopped the industry from expanding, but some want to crack down on the industry even further. The Iowa City Council last year passed restrictions about where new delayed-deposit services can locate: at least 1,000 feet from churches, parks, schools, a residence, or another payday lender. Consumer advocates call these lenders predatory, saying they often operate in low-income neighborhoods and carry higher interest rates than traditional loans. A consumer who borrows $100 for two weeks may pay back about $117, which amounts to a 400 percent annual percentage rate. Iowa Sen. Joe Bolkcom (D-Iowa City) is pushing for legislation to cap interest rates at 36 percent APR, but the legislation has not seen a vote in either the Iowa Senate or House.