| http://www.w3.org/ns/prov#value | - The advocates cite the OCC???s payday lending guidance from 2000, which warned lenders that payday loans ???can pose a variety of safety and soundness, compliance, consumer protection, and other risks to banks.??? And in 2010 testimony to Congress, the OCC declared that payday loans are ???unsafe and unsound and unfair to consumers.???
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