In October of 2009, House Bill 230 was passed which regulated the availability of payday loans and emergency cash loans for customers in the state of Ohio. When customers are faced with an emergency loan situation, the highlight of this 2009 bill is that it guards customers from possible hidden fees or excessive charges. In May of 2010, a new House Bill was passed, HB 486, which closed the loopholes that charged unnecessary fees to consumers looking for payday loans in the state of Ohio.  Now that the bill has passed in the house, HB 486 will go on to the Senate to gain final approval and to become an Ohio state bill. Ms. Jennifer Garrison, an Ohio state Representative from the 93^rd District is an avid supporter of the bill. Advocates of the bill, like Garrison, hope that additional jobs will be created in the state. With additional jobs, more consumers will have access to payday loans. HB 486 will help make cash loans easier for residents to qualify for in Ohio.