Large subprime lenders appear to be adjusting well to the proliferation of state legislation aimed at abusive lending. But that doesn’t mean that credit hasn’t been affected, officials warn. “I would say that companies are complying more than people believe they do,” said Denis O’Toole, head of government relations at Household International. In a conference call sponsored by Prudential Securities, O’Toole suggested that Household and its competitors, for the