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This is certainly a revision of the paper presented during the Western Economic Association Overseas 76th yearly meeting, bay area, July 7, 2001. The authors thank Michael Staten, Thomas Durkin, and James Lacko because of their ments on our work that is previous on subject.

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Previously this present year, the buyer Financial cover Bureau proposed repealing areas of the guideline, which requires loan providers to guage a borrower's cap ability to settle payday that is most, vehicle-title and similar loans before expanding credit.

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