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However, different countries have varieties of legislation regarding payday loans. These laws help to regulate the activities of a payday lender and borrower. In some countries, different states and provinces have different laws that regulate payday loan activities while others have similar all-encompassing regulations for all 

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With the creation of the Consumer Financial Protection Bureau (CFPB) under the Dodd–Frank Act in 2010, lenders who offer payday loan products fall under the direct supervision of a federal regulatory authority. As we move forward into this era of federal oversight of payday loans and other small-dollar loan products, there