Why can't banks...who really have no guarantee of getting back the money...charge high interest rates while a pawn shop...which is taking NO risk since they have an actual item in their possession worth more than the loan...is legally allowed to charge rates that surpass 300% a year!

Again...they take NO risk as lng as they know what they are doing to don't overestimate the value of the item pawner. So they should be MORE controlled than banks.