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Share Cape Code Times reported the information about some 43 million U.S. adults live in households that, although they have bank accounts, occasionally use alternative financial services. Payday lenders and the other providers of financial services exist because of the demand for their services and the ability to offer these services more effectively than banks. To try to meet that demand, the FDIC launched a program to develop payday lending alternatives. While touted as a success, the products offered have different terms and different price structures than payday loans and