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These figures refer to data from the authors' main sample, which excludes loans made under “alternative business models, such as loans extended under tribal jurisdiction, payday loan direct lender only in Illinois.
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Specifically, the Bureau's analysis of ACH payment withdrawal attempts made by online payday and payday installment lenders indicates that 43 percent of accounts with two consecutive failed lender payment withdrawal attempts were closed by the depository institution, as compared with only 3 percent of accounts generally.
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