PREDATORY LENDING BILL--Sen. C.J. Prentiss, D-Cleveland, listens as Sen. Bill Harris, R-Ashland, responds to her question concerning HB 386, during a hearing of the Senate Finance Committee, at the Ohio Statehouse, in Columbus, Ohio, on Wednesday, Jan. 23, 2002. Sen. Prentiss is opposed to the bill, which would prevent local ordinances from regulating predatory lending. (Photoj.com/Jack Kustron)