with regards to Payday loans the take away is that regulation is often uneven in application and not timely, worse activities which were not expressly illegal can one day become so with prosecution of said activities at a much later date.<p>Note, I am not excusing the behavior of the example cases. I am not a fan of reaching back so far to prosecute for actions that were not illegal unless it can be shown that an investigation was already in process and those performing them were notified their actions were irregular and subject to legal action