The Business Journal's Matthew Kish has for the past two years reported extensively on abuses related payday lenders, including those offering desperate consumers loans with interest rates topping 350 percent. His most report in November investigated how big banks, including Wells Fargo and U.S. Bank, are circumventing Oregon's tight lid on payday loans. Oregon has some of the nation's tightest restrictions on payday lenders. The New York Times on Monday takes a look at how Wells Fargo, JPMorgan…