In 2016, the Government of Alberta undertook a significant reform of the rules that govern payday lenders. The legislative and regulatory changes introduced in An Act to End Predatory Lending have reduced the cost of a payday loan. These legislations, however, have not made it easier for people in need to access the money they need to make ends meet between paychecks. The same rules that were created to help people, are the same ones preventing them from accessing needed gap funds for their families.