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A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday." The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries, and in federal systems, between different states or provinces.

To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. In the United States, the rates of these loans used to be restricted in most states by the Uniform Small Loan Laws (USLL), with 36–40% APR generally the norm.

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Fourth graders were likewise needed to reveal the executive layout of roller coasters. NYSUT President Karen Magee claims that the Table of Regents is in charge of knowledge within the state and panel users should evaluate the assessments before they're given. "If they read the checks," claims Magee, "specifically those which have now been singled out as egregious examples of Pearson run amok - we think the Regents can get a much better understanding of why a lot of parents are frustrated and why NYSUT remains to question their validity." "The Regents must review the whole ELA and math assessments to better understand guardian and lecturer stress prior to making a decision on the new five-year assessment deal that may dramatically influence the lives of students." The New York Daily News is canceling that two significant problems were uncovered while in the assessments. A Russian language variation of the math examination bundled passages composed in Vietnamese. Almost 200,000 learners over the state declined to consider the ELA assessments in 2013. The Number Child Left Behind Act requires that pupils in grades 3-8 are tried in Language and q using state-wide standardized exams.

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