In financialWest, the main problem regarded from the legal was actually whether a Georgia payday financing law was actually preempted by the FDIA. (161) The Georgia Act “restricts in-state payday shops from becoming agents for out-of-state banks in a single, restricted situation: where in actuality the institution arrangement gives the in-state representative ‘the prevalent financial interest’ inside bank’s cash advance, which . ensures that the payday shops keep a lot more than 50percent for the incomes from the mortgage.” (162) the condition of Georgia passed this rules to stop in-state payday storage from circumventing Georgia’s usury regulations. (163)