Some of the nation’s largest banks continue to offer payday loans, pitched as advances on direct-deposit paychecks, despite growing regulatory scrutiny and mounting criticism about the short-term, high-cost loans. The findings, outlined in a report by the Center for Responsible Lending to be released on Thursday, provide the latest glimpse into the methods that banks are aggressively using to earn new revenue. According to bank analysts, banks are looking to recoup the billions in lost income from a spate of regulations restricting fees on debit and credit cards. Across the nation, roughly six banks, including Wells Fargo and U.S. Bank, make the loans. The loans can prove expensive, the report shows, typically costing $10 for every $100 borrowed. They are often used by low-income customers, said the center, a nonprofit group that studies consumer lending issues. At first glance, the loans do not seem like a typical payday loan offered by storefront lenders. Instead, banks typically al