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Through market outreach and confidential information gathered in the course of statutory functions, the Bureau is aware that many storefront payday lenders limit their underwriting to first-time borrowers or those returning after an absence.

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World didn't dispute that its employees came to Sutton's workplace, but it said that attempts to contact "any borrower at her place of employment would occur only after attempts to contact the borrower at her residence had failed.


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Most banks now allow their basic account holders to get cash from any ATM for free, just like standard account holders can.

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Another obstacle will be a lack of credit history.
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