Federal and state regulators are examining the role of banks in online payday loans, a report in The New York Times said. The probe could involve some of the largest banks in the Charlotte region, including locally based Bank of America Corp. (NYSE:BAC) and San Francisco-based Wells Fargo & Co. (NYSE:WFC), which bases its East Coast operations here. The banks don’t actually make the loans, but they allow Internet-based lenders to withdraw payments automatically from borrowers’ bank accounts.…