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Troubled by customer complaints and loopholes in state regulations, federal regulators are piecing together the first-ever guidelines on payday advances geared towards assisting cash-strapped borrowers avoid dropping into a period of high-rate financial obligation. The buyer Financial Protection Bureau states state regulations governing the $46 billion payday financing industry often are unsuccessful, and that fuller disclosures regarding the interest and charges – frequently a yearly portion price of 300 per cent or higher – may…

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