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Jan 29, 2016 By TED CARTER. State banking regulators say they are ready to shut down Madison payday lender All American Check Cashing's 43 stores and fine owner Michael Gray $3 million for illegal loan rollovers and other offenses. The penalties stem from what the Mississippi Department of Banking and 

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2 Notably, access to traditional banking services, like checking, are essentially a prerequisite to receiving a payday loan. See Jean Ann Fox & Edmund Mierzwinski, Rent-A-Bank Payday Lending: How Banks Help Payday Lenders. Evade State Consumer Protections, Consumer Federation of America (CFA) and U.S. Public