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2 Payday Lending and State Regulation

2 Payday Lending and State Regulation Payday lending is widespread. FDIC (2013) estimates that 4.7% of most U.S. households have actually at a while utilized payday lending, while Pew Charitable Trusts (2012) puts the figure at 5.5percent of U.S. grownups. In 2005, payday storefronts outnumbered McDonald’s and Starbucks places combined (Graves and Peterson, 2008). Loan…

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