PHILADELPHIA (AP) — The head of a multimillion-dollar payday lending enterprise accused of evading state regulations by using Native American tribes and a bank as fronts was convicted on Monday of federal racketeering conspiracy and fraud charges. Charles Hallinan charged astronomical interest rates of more than 700 percent on the short-term loans, prosecutors said. Authorities said the "rent-a-tribe" and "rent-a-bank" scheme netted Hallinan's companies more than $688 million in revenue between 2008 and 2013 from hundreds of thousands of customers. "Payday lending exploits those who can least afford it, the most financially vulnerable people in our society," U.S.