I cannot offer an answer to your specific question but would suggest that you speak to a payday lending lawyer from Ky regarding your issue. Www.naca.net lists consumer lawyers that represents consumers only. Your question is interesting because there are payday lenders that have "rented" the charter of supposed national banks in order to evade lending laws. Contact the Attorney General in Ky, Office of the comptroller, and FTC. Good luck.
There is no typical or standard award for punitive damages unless you are in a jurisdiction that offers only a multiple of actuals perscribed by statute. Every case stands on its own facts. There are many factors that are evaluated when a judge or jury determines the amount of punitive.