Against the backdrop of an impotent state legislature and a growing awareness of the predatory nature of payday lenders, local governments have had to pick up the slack and adopt laws to stifle the industry.

Mayor Chuck Reed and Councilmember Sam Liccardo authored a memo last week that would give high-rise builders in downtown San Jose new incentives to start constructing towers before the end of next year. At its meeting Tuesday, the City Council will discuss the incentives as well as last week’s budget hearings, restricting payday lending offices, targeting parents who let their teenagers throw parties with alcohol, and a potential park expansion that could alter the view from San Jose Inside’s office.

Payday lending offices offer immediate financial relief to many of San Jose’s most cash-strapped citizens, but the high interest rates can leads to crippling debt when more loans are required to pay off the first. It’s a vicious cycle that brings interest rates to as high as 460 percent in some cases. This week the city’s planning commission made new recommendations on how to curb the proliferation of offices that many view as predatory lenders.