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Except for loans subject to the presumption under paragraph or the prohibition under paragraph (e) of this section, a consumer is presumed not to have the ability to repay a covered longer-term loan under § 1041.

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Amy Cantu, a spokeswoman for the Community Financial Services Association, the trade group representing the major payday lenders, said members are "regulated and licensed in every state where they conduct business and have worked with state regulators for more than two decades.

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During the Great Depression, the American government realized that it needed to intervene in the economy to a large extent to keep it running.

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