They are the cousin of unsecured loans, such as payday loans. Other options are available to most payday loan customers. In 2001, Texas passed a law capping interest rates on title loans and payday loans. Online loans are predicted to account for 60% of payday loans by 2016. Potentially, some positive attributes of payday loans exist. Creasy campaigned successfully for better regulation of payday loans companies. Job performance and military readiness declines with increasing access to payday loans. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. Small-dollar-credit (SDC) refers to services offered by payday and title loan industries. In the early 2010s there was much criticism in Parliament of payday lenders. Certain financial services, including payday lending, are inferior goods. The CFPB also operates a website to answer questions about payday lending. A recent law journal note summarized the justifications for regulating payday lending. In its early phase, a large fraction of mob loansharking consisted of payday lending. Many jobs in "Payday 2" can be completed in stealth.