Payday Loans: Study Highlights Default Rates, Overdrafts As Groups Debate CFPB Regulations. As the Consumer Financial Protection Bureau considers new regulations on payday lending, a study by the Center for Responsible Lending shows high and early default rates on the short-term loan product. Photo: ReutersJim Young. A pedestrian walks payday advance san francisco a payday lending shop in London on March 6, 2013. Photo: ReutersSuzanne Plunkett. A lender makes a loan.
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