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Section 2 provides background on the payday lending industry and the state regulations that affect it

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Section 2 provides background on the payday lending industry and the state regulations that affect it Section 3 describes the data, the sources of regulatory variation, and the econometric specifications. Section 4 presents results using cross-state pooled regressions and within-state law-change regressions. Section 5 concludes. Payday lending is widespread. FDIC (2013) estimates that 4.7% of […]