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The Missouri General Assembly’s failure to do its job has again raised the prospect of citizens taking matters into their own hands through a ballot initiative.

Lawmakers’ continuous refusal to deal with Missouri’s deserved reputation as the nation’s “puppy mill capital” paved the way for last year’s ballot initiative requiring humane treatment of breeding dogs and their puppies.

Not until after the measure passed did leaders get serious about rewriting the state’s lax laws — if only to water down the voter-approved regulations.

Likewise, the legislature has refused for several years to take on substantive reform of the loose laws that make Missouri’s payday lending industry the most plentiful and permissive in the nation.

Frustrated by the legislature’s inaction and an effort this year to pass a sham reform bill, a coalition of faith-based and civic groups has united in an attempt to place an initiative petition on the 2012 statewide ballot.

The petition, which has been approved for circulation, would cap the annual percentage rate on a short-term loan at 36 percent, which is the limit that Congress approved for loans to U.S. military families.

Seventeen states have already capped the rate at 36 percent. Missouri’s ceiling is 1,950 percent, with the average annual percentage rate on payday loans last year at 444.61 percent.

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