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Payday loans typically have an average annual percentage rate of roughly 390%, according to the Small-Cash.com. Loans not repaid quickly can balloon to hefty multiples of the original sum, with with more than four-in five single-payment loans reborrowed within a month, incurring additional fees. The new rules would set up a "full payment test" requiring lenders to establish that teh borrower can afford to make the payments and still pay basic living expenses and other costs, make it more difficult for lenders to refinance the original loan and regulate penalty fees. Click here for details.

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