"Buy Here, Pay Here" dealers sell used cars at low prices - and high interest rates.  Critics call that predatory lending, and say those dealers want their customers to fail.  So three different state lawmakers have authored three different bills that would regulate the industry.  Used car dealer associations oppose the measures, as do some chambers of commerce.  Roger Niello with the Sacramento Metro Chamber of Commerce is both a former Assemblyman and the owner of several car dealerships:

Niello: "The practical impact on the restrictions on the creditors to offer those loan options is that a lot of people who need credit but have challenged credit just don't get any loans at all."

All three measures face their final legislative votes by the end of the week.