I worked at a payroll backed loan company and can say there is not many people in the space, for many good reasons.

These banks do not exist.

>Citation? Who is giving unsecured pay day loans on unknown payday? If they did what would the interest be? 1000%?

I'm not a Federal employee and I don't know the details, but there's a banner on my bank's (Chase) website (after you log in) suggesting that they have mechanisms to assist those who aren't getting paid.

What those are, I have no idea. It may well be high interest loans or no interest loans. Or it may waive fees on overdrafts. Again, I don't know. But banks are taking note and communicating with their customers about it.