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Payday loans typically carry interest rates of 300%, and are designed to ensnare people in unaffordable debt traps. Thankfully, 14 states plus D.C. have strong laws that make these predatory loans illegal. More than 90 million people—about a third of the country—live in these places.

The Consumer Financial Protection Bureau (CFPB) has proposed rules to regulate payday loans. Although the CFPB may not limit interest rates, it can implement strong protections, including requiring lenders to ensure that all loans are affordable, based on borrowers’ income and expenses.

Fortunately, the CFPB will not override stronger state laws. But the CFPB’s rules as proposed are too weak. Weak rules will make it especially difficult to maintain our states’ strong protections, which we’ve fought hard to keep in place.

Please write a personal message to CFPB Director Richard Cordray about how people in your state—and everywhere—are better off without payday loans.