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About the Author

Prologue

One
Check Cashers of the World Unite

Two
The Birth of the Predatory Lender

Three
Going Big

Four
Confessions of a Subprime Lender

Five
Freddie Rogers

Six
The Great Payday Land Rush

Seven
Subprime City

Eight
An Appetite for Subprime

Nine
“No Experience Necessary”

Ten
Same Old Faces

Eleven
The Great What-If

Twelve
Public Enemy Number One

Thirteen
Past Due

Fourteen
Maximizing Share of Wallet

Fifteen
Payday, the Sequel

Sixteen
Dayton after Dark

Epilogue
Borrowed Time

Notes on Sources

Acknowledgments