New Era for Payday Lending: Regulation, Innovation as well as the Road Ahead Chart 3 Payday Lending Shops in Houston Decline After Ordinance Enacted SOURCES: Texas Workplace of Credit Rating Commissioner; Texas Appleseed. Nonetheless, whilst the wide range of cash advance storefronts in Houston has declined considerably since passage through of the ordinance, the amount of people searching for use of this type of credit has proceeded to improve. Customers nevertheless must find how to deal with increasing month-to-month expenses…