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9. Teletrack sells consumer reports and other services to businesses that primarily serve non-traditional credit consumers, such as payday lenders, rental purchase stores, and non-prime auto lenders. Teletrack's clients use these reports to make decisions about whether and on what terms to provide credit to consumers. 10. .
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The shift to online payday lending has changed the dynamics of supply and demand – and with it the impact of regulatory intervention The emergence of online payday lending over last decade has been game changer – for both lenders and regulators Historically regulators have been able to control the supply side end to end
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[PDF File]PAYDAY LENDING MARKET INVESTIGATION Summary of a …
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Teletrack had previously contacted Wonga to outline its services but Wonga considered its own historic lending data to have greater predictive ability than CRA credit risk scorecards. Use of CRA data 4. The use of CRA data by payday lenders was increasing had been in part driven by the move to the provision of loans online and the desire to offer a
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102,779 persons who borrowed on a payday loan from this payday lender (i.e., we exclude unsuc-cessful payday loan applicants) and who had a full set of background variables, and the 143,228 persons with credit card accounts at the credit card issuer in the states where the payday lender operates. Tables A1 and A2 also report information
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