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Defenders of expensive, subprime credit products like payday loans often claim that imposing interest rate caps on consumer credit will bring back the loans sharks that were said to have been starved into . Exposés of mob lending operations captured the headlines in cities like Chicago and New York and helped to Law360, New York (January 31, 2013, 4:34 PM EST) -- New Jersey Assemblywoman Celeste M. Riley introduced legislation Monday making it illegal for anyone to engage in the business of making deferred deposit or so-called payday loans to New Jersey residents, an attempt to strengthen the state's current payday loan While New York's usury cap keeps most storefront payday lenders out of the state, predatory lenders, including internet payday lenders, pawn shops, rent-to-own stores, and loan sharks continue to be a scourge in low-income neighborhoods. According to Federation President/CEO Cliff Rosenthal, “the Federation has long Interest rates (APRs) vary significantly, depending on your credit score and credit history. For example, online rates for a typical personal loan can vary greatly- between 6%-36% as of early 2016. In order to qualify for a personal loan, the lender requires you to submit an application, consent to a credit report being pulled,
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