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Do payday loans exploit the indegent? By concentrating on states with state-run alcohol monopolies “The effectation of State Bans of Payday Lending on Consumer Credit Delinquencies.” Desai, Chintal A.; Elliehausen, Gregory. Abstract: “The debt trap theory implicates payday advances as a factor exacerbating customers’ economic distress. Consequently, limiting usage of pay day loans will be […]