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General FAQs. How is the payday loan industry regulated? The payday loan industry is regulated by state and federal law. Members of the Community Financial Services Association of America (CFSA) encourage further self-regulation for the benefit of payday loan borrowers. Each payday loan provider has its own set of 

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In dozens of other states, where payday lending is legal, powerful payday lobbyists have convinced lawmakers to exempt their industry from existing state usury limits. Payday lenders in these states charge over ten times the interest that most banks and credit card companies are permitted to charge and they repeatedly