"No."

"It's a subsidiary of your bank." Said Grandma with a smirk. "Which goes to prove, that you don't have to be a member of the Costa Nostra to be a shark… Or do you?

Joanne's life hasn't been all that easy, but at least she has some family to support her.  If you are honestly concerned about predatory lenders, then I would encourage you to write your state Congress people.  Your letter just might make a difference.  Who knows, perhaps you can really help change things for the better.