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A new state report shows 45,000 Utahns couldn't pay off the loans obtained through payday lenders within 10 weeks, resulting in an annual average rate of 482 percent in interest charges.

On Tuesday at 12:15 p.m., state Rep. Brad Daw and Wendy Gibson of the Utah Consumer Lending Association join Jennifer Napier-Pearce to talk about the report and regulation of the payday loan industry.

Watch this online video chat at You can also join the discussion by sending questions and comments to the hashtag #TribTalk on Twitter and Google+ or texting 801-609-8059.