San Francisco, CA -- (SBWIRE) -- 11/19/2012 -- Lower revenue is causing banks to increase their marketing efforts of small short-term loans. The lower revenue is due to debit-card and overdraft fees. The move is prompting regulators to question whether they carry the same risks to borrowers in comparison to other forms of payday lending. Read the full press release at http://www.sbwire.com/press-releases/banks-marketing-more-short-term-loans-reports-payday-ninja-180966.htm