In order to crack down on what’s known as “predatory lenders,” the Obama administration proposed new rules that require short-term lenders to ensure customers have the ability to repay their loans.

In requiring lenders to assess their financial background—including their monthly income, cost of living, and other major expenses—the Obama administration says it can protect customers from borrowing money they’re unable to repay, and therefore prevent them from getting trapped in a cycle of debt.

However, short-term lenders say the rules are so burdensome, they will cut access to credit to millions of Americans who genuinely are strapped for cash, leaving them with no options.

Who exactly uses these types of short-term loan products, and what do they think of the Obama administration’s regulations? In the video above, The Daily Signal visited some short-term lending storefronts to find out.