I join with numerous religious leaders, representing a mulititude of faiths, in Indiana and Kentucky, who have joined forces to express our objection to Indiana House Bill 1319, which opens doors for lending practices that are unjust and take unfair advantage of people in desperate circumstances. Indiana House Bill 1319 allows for annual interest rates on some loans to reach up to 220 percent. Most would agree this violates our common commitment to justice and protecting those most vulnerable.