Predatory lending practices affect plenty of Americans, but as NBC News reported earlier this year, military families are “especially vulnerable.” The Consumer Financial Protection Bureau (CFPB) issued a report in December calling for greater protections.

And right now in the U.S. House, there’s an important fight underway about just how far those protections can go. The Huffington Post summarized the policy landscape nicely:

In 2006, Congress passed legislation imposing a 36 percent cap on interest rates for payday loans, auto title loans and tax refund anticipation loans to military families. Lenders responded by slightly tweaking the terms of their loans to avoid the limits. Since the law applied to payday loans with terms of 91 days or less, and amounts of $2,000 or less, credit companies were able to shirk the rules with 92-day loans, or loans of $2,001.