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The benefits to lenders of those provisions are discussed here, but to the extent that lenders do not voluntarily choose to engage in the activities, it is likely the case that the benefits, in the lenders' view, do not currently outweigh the costs.
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The regulatory assault on payday lending, which began in earnest in summer 2017, has forced more than 1,400 companies out of the industry, while those that survive are nursing large losses.
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