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/PRNewswire/ Dr. Thomas J. Miller, Jr. of Mississippi State University announced the release of a new study, "Effects of Illinois 36% Interest Rate Cap on.
A new study finds that in the six months after a rate cap was imposed in Illinois, the number of subprime loans being made declined, and subprime borrowers reported a decline in their financial well-being.
Online lenders say they are helping people who can't get loans elsewhere, at least without paying high overdraft, NSF or rollover fees at banks or payday lenders.