Several Washington senators are attempting to reverse the state's restrictions on high-interest payday lending, which would allow lenders to prey on some of the poorest and most vulnerable residents, an editorial warns. Senate Bill 5312 passed the Senate on a vote of 30 to 18. In 2009, the Legislature passed reforms that protected people from payday loans and successfully slashed payday loan debt statewide by 75 percent. The new bill, however, could undermine the 2009 Payday Lending Reform Act by reclassifying payday lending as installment loans, and permitting loan costs of up to 220 percent. It also would remove the protective restrictions for military families under federal law and make them eligible for payday loans. The editorial encourages state legislators to follow the example of Oregon Sen. Jeff Merkley, who proposed the Stopping Abuse and Fraud in Electronic Lending Act to shut down many schemes in the online payday industry.