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Are state interest-rate caps an automatic win for borrowers?


Are state interest-rate caps an automatic win for borrowers?
Annie Millerbernd NerdWallet
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There is no federal maximum interest rate on consumer loans, so absent a state law, lenders can charge high rates on small loans. But recently, more states have moved to bring that number down.Mark Humphrey | AP
Small-dollar, short-term lenders, unburdened by a federal maximum interest rate, can charge borrowers rates of 400% or more for their loans.
But more states are bringing that number down by setting rate caps to curb high-interest lending. Currently, 18 states and Washington, D.C., have laws that limit short-term loan rates to 36% or lower, according to the Center for Responsible Lending. Other states are weighing similar legislation. ....

United States , Andrew Duke , Sara Nelson Pallmeyer , Jacqueline Collins , Consumer Financial Protection Bureau , Online Lenders Alliance , Lisa Stifler , Consumer Financial Protection , Pew Charitable , Executive Director Sara , ஒன்றுபட்டது மாநிலங்களில் , ஆண்ட்ரூ டியூக் , ஜாக்குலின் கோலின்ஸ் , நுகர்வோர் நிதி ப்ரொடெக்ஶந் பணியகம் , நிகழ்நிலை கடன் வழங்குநர்கள் கூட்டணி , லிசா ஸ்டிப்லேர் , நுகர்வோர் நிதி ப்ரொடெக்ஶந் , பியூ தொண்டு , நிர்வாகி இயக்குனர் சாரா ,