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Despite the ban, such loans once proliferated in Georgia as lenders found ways around the ban.
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Hernandez is one of nearly 2 million Californians turning to payday lenders each year as the annual market for so-called deferred deposit loans has ballooned to more than $3 billion.
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An EEM requires a determination that your house meets Fannie Mae's stringent energy-efficiency standards.
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Mifos allows loans to be created only if the calculated Indebtedness Rate for a client is lesser than this pre-specified value.