Harold - they did a study in 2012, they did a study in 2013, they did a study in 2014. As Ms. Duckworth has stated, they have studied this to death and need to pass this legislation to stop the predatory lending. HOWEVER, Wells Fargo, Chase, B of A, all have recently started producing similar products, by a different name of course, that would have to stop if this legislation was approved. Big Banks don't want this and Ms. McSally's kowtowing to them.
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