The 10th amendment to the US Constitution is sweeping through the states, and plans are being developed for more concerted action among the states, to ensure that the federal government abides by the Constitution in the future. The 10th Amendment states that all rights not given expressly to the government are reserved to the states, or the people. Granted, this should apply to payday loan regulations, but not a whole lot of people take that view. Tax Day Protests are beginning and the 10th amendment is being used to reject any stimulus funds directed to states, if the state governments aren't willing to accept them. It seems that segments of the people are not willing to get short term loans on 10th Amendment grounds.