So California may ban payday loan lenders access to borrowers bank accounts. Calif. attempts to return us to the dark ages. We get in our cars, bikes, the Metro, walk, taxi... and physically hand over a written check to our friendly payday loan lender? Not a chance! Technology and entrepreneurs who recognize 35+ million PDL's are transacted every year have already developed an alternative to the ACH system (from which banks make millions!) The solution? ICL!