The Consumer Federation of America released a study proving that some payday, vehicle title, and similar high-cost lenders routinely obtain warrants to arrest their customers. The study is based on a unique data set gathered with original screen scraping software that harvested information on every small-claims court hearing scheduled in the state of Utah for one year. The analysis studied 21,653 small-claims court hearings in associated with 17,008 active cases. The study also includes more detailed findings drawn from a statistically significant, representative sample of 377 small-claims cases.