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“The whole point of what we’re trying to do is get people off that terrible treadmill where they keep borrowing to pay back an earlier loan,’’ Hayden said.

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While the data suggest that many payday lenders made changes to the terms of the loans they offer to escape regulations, there are still hundreds of lenders who are making loans that fall under the new “payday” definition and are subject to the new rules. credit.gwendolen.biz/

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