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Instead, the Legislature passed two very modest bills last session, requiring so-called credit-access businesses to get licensed, meet minimum financial standards, report data on their loans to a state agency, and be more transparent about fees and rates with consumers.
It could also make larger installment lenders subject to regular examinations, but it hasn't yet done so.
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At the lender's request, the consumer comes into the store and makes the full payment in cash withdrawn from the consumer's account.
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