Money How 4 small Utah banks have taken their ‘predatory lending’ national. It’s all thanks to state law, critics say December 21, 2022December 21, 2022 Craig Harris and Amritpal Kaur Sandhu-Longoria, USA TODAY Comments Off on How 4 small Utah banks have taken their ‘predatory lending’ national. It’s all thanks to state law, critics say Four small Utah banks export "predatory loans" across the country thanks to their state having no caps on interest rates, critics say.