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The proposed standards would not impose bright line rules prohibiting covered longer-term loans based on fixed mathematical ratios or similar distinctions, and they are designed to apply to the wide variety among covered longer-term loans and lender business models.

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In applying the FTC Act's unfairness standard, the FTC has stated that generally it is important to consider both the costs of imposing a remedy and any benefits that consumers enjoy as a result of the practice.

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Lenders typically charge fees for these returned payments, sometimes charging both a returned payment fee and a late fee.

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Payday loan online arizona the headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.

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