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This proposed definition is broader than the general definition of creditor under Regulation Z in that, under this proposed definition, the credit that the lender extends need not be subject to a finance charge as that term is defined by Regulation Z, nor must it be payable by written agreement in more than four installments.On a $300 payday loan for 14 days, the cost of borrowing is $63 with a total payback amount of $363, 24 7 payday loans.
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