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In fast cash loans, you can only borrow an amount that you can afford to pay, which is quite advantageous because your debt (cash) will only be on the minimum and that you do not have to worry about it for a long time, unless you miss your due date.
The Bureau is concerned that lending practices in the markets for storefront and online payday lending, single-payment vehicle title, and other short-term loans are causing harm to many consumers who use these products, including extended sequences of reborrowing, delinquency and defaults, and certain collateral harms from making unaffordable payments.
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For example, the reborrowing may indicate that the consumer's actual basic living expenses exceed what the lender projected for the purposes of § 1041.