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Payday lending has come under fire in recent years for high interest rates that make it impossible for many borrowers—most of whom are cash-strapped when they sign up for these loans—to pay them off. As a result, what’s supposed to be a short-term loan morphs into a loan that leaves borrowers indebted for an average of five months of the year, according to Pew, paying an average of $520 in interest to repeatedly borrow $375 in credit. options guide covered call
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In 2008, the province of New Brunswick laid out a regulatory framework for licensing payday lenders but has not yet determined the maximum interest rates. Until this occurs, the federal government is unable to issue an exemption to the province under Criminal Code section 347.1 making payday loans effectively illegal at any rate over 60% per annum. установить кондиционер в квартире
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