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During the SBREFA process, a SER submitted an analysis prepared by Charles River Associates (CRA) of loan data from several small storefront payday lenders.
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A similar presumption would apply when a consumer seeks a new loan from the same lender in circumstances that tend to indicate the consumer is struggling to repay the earlier loan, including refinancings that provide no new funds or new funds that are less than the payments due within 30 days.
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