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The Community Financial Services Association of America (CFSA), a leading industry group for payday lenders, maintains that predatory payday lending behavior is the result of a group of bad apples, not a systemic feature of the industry. In an email to Al Jazeera, CFSA spokeswoman Amy Cantu cited the CFPB’s July report, which finds payday loan complaints to be a tiny fraction of the total annual complaints received (in 2013, total complaints numbered 163,700). instrumental mp3 downloads free hip hop
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