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“Policymakers might have merely shifted working firms in one industry to some other, having no genuine influence on market conduct, ” Ramirez writes.

Together with effect, Ramirez records, is certainly not limited by Ohio — this is a trend that has a tendency to follow payday financing legislation whenever it springs up. Robbie Whitten, chief executive of income Mizer Pawns and Jewelers in Georgia, noted that as payday lending legislation spreads, pawn loans that are fast, easily accessible