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BIRMINGHAM, Ala. (WIAT)- Birmingham Faith in Action is fighting back against a group of businesses they say take advantage of low-income families. They're asking the city to put tougher restrictions on payday loan stores. Right now, companies can legally charge up to 456% APR. Author Rev. Deforest Soaries, the Senior Pastor of First Baptist Church of Lincoln Gardens in New Jersey, is in town to lend his assistance. He says the battle starts with the person seeking the loan. "The primary responsibility is with the individual; but, at some point, there needs to be some moral compass by those who would profit from free enterprise and there should be some restrictive principles," says Rev. Soaries.