The Criminal Code applies to a universal set of behaviour, and it's not payday loans. It's effectively usurious loans of any kind, regardless of whether they're payday loans or any other kind of loan.
I don't quite understand why you would carve out a specific section of the Criminal Code. You would be in effect eliminating a section of the Criminal Code that would apply only to payday loans but not to other forms of usurious loans. Is that correct?