This is an archived article that was published on sltrib.com in 2015, and information in the article may be outdated. It is provided only for personal research purposes and may not be reprinted.

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 sltrib.com. You can also join the discussion by sending questions and comments to the hashtag #TribTalk on Twitter and Google+ or texting 801-609-8059.