WASHINGTON - Ever ready to find a crisis requiring expanded government authority, a score of states have passed legislation targeting "predatory lending." That is, politicians decide what is and is not fair when it comes to borrowing money. Often people of modest means need short-term loans and are willing to pay high interest rates to get them. At tax time, for instance, many people get loans from banks and even tax preparers in advance of receiving their income tax refunds from the Internal Revenue Service. The interest rates are high, but as many as 10 percent of Americans seek such...