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This bill provides for the licensure and regulation of lenders of flex loans by the State Banking Department. This bill establishes the maximum interest rate and maximum duration of a flex loan and provides for fees that may be charged to a customer. This bill sets qualifications, including financial guarantees, for lenders and 

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But people seeking quick cash now have other options: Nationwide, borrowers can go online to find Internet payday lenders; in all but 13 states, traditional banks, including Wells Fargo and U.S. Bank, offer payday-style loans. All three avenues lead to a similar kind of high-cost credit: short-term loans with sky-high interest