 Some groups, such as the Texas Fair Lending Alliance, present title loans and payday loans as a form of entrapment, where taking out one of these means that borrowers will find themselves cycling further into debt with less chances of getting out of debt when compared to not taking the loan out at all, contending that 75% of payday loans are taken out within two weeks of the previous loan in order to fill the gap in finances from when the loan was originally taken out.In 2001, Texas passed a law capping interest rates on title loans and payday loans.However, lenders are getting around the restrictions by exploiting loopholes allowing them to lend for the same purposes, with high-interest rates, disguised as loan brokers or as a Credit Services Organization (CSO).