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Although the effects of bank deleveraging are being experienced in all of the world's major economies, the effects have been particularly sharply felt in the EU where it is estimated that bank debt accounts for 75 per cent of third-party funding to SMEs.

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New rates and fees on all classes of credit were published by the Department of Trade and Industry in June 2017 for public comment and came into effect in May this year.

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All loans to Connecticut residents must qualify for an annual percentage rate (APR) of less than 12% to be considered for approval.

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