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2 Payday Lending and State Regulation Payday lending is widespread. FDIC (2013) estimates that 4.7% of most U.S. households have actually at a while utilized lending that is payday while Pew Charitable Trusts (2012) sets the figure at 5.5% of U.S. grownups. In 2005, payday storefronts outnumbered McDonald’s and Starbucks places combined (Graves and Peterson, …