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2. THE UNIVERSITY OF ARIZONA. GRADUATE COLLEGE. As members of the Dissertation Committee, we certify that we have read the dissertation prepared by Stefanie R. Ramirez entitled Essays on the Industrial Organization of the Payday Lending Industry and recommend that it be accepted as fulfilling the dissertation 

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Feb 28, 2018 Supporters of interest rate caps on payday loans are working to take their fight to November's ballot.