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just How pay day loan regulation impacts debtor behavior. Bayesian analysis of payday advances

just How pay day loan regulation impacts debtor behavior. Bayesian analysis of payday advances Twelve million people within the U.S. borrow from payday loan providers yearly. With original information from an on-line payday loan provider, Justin Tobias and Kevin Mumford utilized a novel technique to observe how cash advance legislation impacts debtor behavior. “No installment …

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