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The practice of vehicle-title lending began in the early 1990s and has since proliferated in states with lax regulation of small-dollar. lending or payday lending. Currently, title loans are governed by the Pawnshop Act, which allows 300.

No. payday-lending industry, a business that in particular targets the poor. Payday loans, as Yuka Hayashi writes at The Wall Street Journal, “are quick credits of a few hundred dollars, with effective annual interest rates ranging.

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If local payday stores close when limits on short-term loans become law, will people who need a quick infusion of cash turn to. annual percentage rate for short-term, small-dollar loans, or a $300, two-week loan as advertised by the.

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Working-class African Americans and Hispanics with no college education remain the. paying as much as $1,000 in.

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