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Direct Lender Payday Loan
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Loans would need to be at least 46 days long and no more than 24 months long, have roughly equal amortizing payments due at regular intervals, and not have a prepayment penalty.
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This is due in part to differences in transmission costs between different channels, but another source of impact is that lenders would have to initiate paper messages earlier in order to provide sufficient time for them to reach consumers.
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