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But he says that others do, and that's likely what happened in my case. It doesn't take long online to discover there's a whole network of people trying to buy and sell payday loan leads. None of this surprises Benjamin Lawsky, the superintendent of financial services for New York state and one of many regulators trying to clamp down on payday lending. "Once you made that application, you basically sent up a red flag with them that you are someone in need of this money, and you need it on a short-term basis," he told me.
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