Democratic Denver state Rep. Mark Ferrandino has been leading the charge to to rein in the payday loan industry. In 2008, he introduced legislation that he said was weakened through amendments and ultimately failed to pass. He told the Colorado Independent that he has been working with consumer advocacy groups to develop a stronger bill this year. He said he was considering writing it as a referendum and submitting it to the public for vote on the November ballot in order to circumvent the powerful payday industry lobby. “I am up against a very strong lobbying core. They have a lot of money and a lot of influence down here. They have the ability to take any bill that is moving forward and shape it to their own interests and really stop any real reform. I want to make sure I have my ducks in a row before I go ahead on this,” he said.