* 65 million transactions are being made by 24,000 payday loan outlets, costing 10 million American households $2.4 billion in fees this year for the two-week loans. * 19 states and two territories have laws that do not authorize payday loans, 25 states and Washington D.C. authorize payday lending, and six states do not cap fees or loan terms. * The average APR of surveyed loans came to 470%, with an average fee of $18.28 to borrow $100 for two weeks. APRs quoted ranged from 182% to 910% and fees raged from $10 to $35 per $100 borrowed. * The most common APR found was 390%, charged by 30% of all stores surveyed, followed by 18% of stores charging 520%. * Only 32% disclosed accurate APRs.