HARRISBURG, Pa. — In a sharp setback for payday lenders, the Pennsylvania Supreme Court has upheld a lower court ruling that Advance America, the nation’s largest payday lender, violated the state’s Consumer Discount Company Act subjecting the firm to return of consumer funds.

The state’s Department of Banking, as plaintiff against Advance America in a September 2006 suit, maintained the firm under its “Choice Line of Credit” product was providing lines of credit to borrowers without a license and with interest and fees in excess of state law.

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