Payday loan companies have come under close scrutiny in recent years. Often times, the payday loan companies take advantage of vulnerable consumers without abiding by the law.

The Federal Truth in Lending Act requires the actual cost of the loan to be disclosed. Among other information, you are entitled to the following, in writing:

• The actual dollar amount of the finance charge
• The cost of the credit on a yearly basis (also known as the annual percentage rate)

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