The term "Fringe Banking" represents a number of different financial services provided by nontraditional financial institutions, such as check cashers, payday lenders, and pawnshops. Available evidence leaves no doubt that the industry is growing rapidly, is no longer limited to the "fringes" of the economy or the society, and is plainly establishing itself on Main Street, USA. This article attempts to set forth a brief history of Fringe Banking, followed by a discussion of three of the industry's more controversial products: Refund Anticipation Loans, Payday Loans, and Auto Title Loans.