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Payday-loan bans: proof of indirect results on supply

Payday-loan bans: proof of indirect results on supply Abstract Ohio enacted the Short-Term Loan Law which imposed a 28% APR on pay day loans, efficiently banning the industry. Utilizing certification records, we examine if you will find alterations in the supply part associated with pawnbroker, precious-metals, small-loan, and second-mortgage financing companies during durations if the […]