Utah remains one of the fastest growing states, thanks to an abundance of available land and an expanding economy. Utah has state laws regulating Payday Lenders. The Department of Financial Institutions enforces these laws.

The lender is required to post a schedule of fees charged for a deferred deposit loan. Utah Payday Loan lender must have the license and must be registered with the state authority. Borrower can procure the loan for a maximum period of 12 weeks.

The lender cannot rollover ("extend") the loan beyond twelve weeks from the initial execution date of the loan. It has no cap on their interest rates or fees. The lender is prohibited from threatening to bring criminal proceedings against borrower.