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Money when conceived of as a public utility rather than debt created by private bankers can be thought of as loaned out by the state for private use at interest.
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If the net amount was reissued by a replacement check due to either a lost check or an incorrect direct deposit account.
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In 2017, 533 Federal credit unions originated loans under the NCUA Payday Alternative Loan program and would likely be affected by the proposal.
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