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Theoretically, they could use their preexisting branches, mitigating the overhead costs that affect payday stores and hence enabling profitable lending at a much lower rate.
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Loans up to $3,000 must be repaid within 15 months, first payment due a month after receipt of funds.
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Costs to Consumers and Impacts on Availability of Credit—Prohibition on Lending to Borrowers Whom the Lender Does Not Determine To Have the Ability To Repay the Loan
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(C) Restriction on a subsequent loan required by Federal law.
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