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Oct 7, 2017 Some states have banned them entirely, according to the National Conference of State Legislatures. What's the controversy? The CFPB argues that most customers who take out payday loans can't afford them. About four out of five payday loan customers re-borrow their loan within a month. A quarter end 

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Payday loans are billed as quick cash advances to help borrowers deal with money emergencies between paychecks. But it can be a grievously expensive form of credit.