It sounds so easy. Crisis arises, but your wallet's full of cobwebs. Solution? Visit a payday lender. Yet, the commercials conveniently ignore the steep interest rates that can soar as high as 650 percent annually for lump-sum loans. Now the Consumer Financial Protection Bureau plans to roll out regulations it says will protect the cash-poor from the debt snare. Liz Ryan Murray, policy director at National People's Action, community organizers known for aggressively pursuing an "economic and racial justice agenda," spoke with us about the industry and possible regulations.