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The third element for a determination of unfairness under section 1031(c) of the Dodd-Frank Act is that the act or practice's countervailing benefits to consumers or to competition do not outweigh the substantial consumer injury.
The fees for cash advances range from $15 to $30 per $100 borrowed, depending on state law and other circumstances.
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If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.