Anne Leland Clark: Payday loan debts have financially hobbled thousands of Minnesotans. Lawmakers and other elected officials must advocate for reform in lending practices, including interest rate caps.

Commentary: At first, a payday loan may seem innocuous and helpful, a way to relieve the immediate pressure of piled-up bills. But soon their high interest rates ensnare the low-income people they target. Such predatory practices have their roots in racist economic and residential policies. The head of Exodus Lending, a St. Paul nonprofit, pleads for “a change in the system.”