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On the heels of a report critical of some credit union payday loan alternatives and just as the NCUA has proposed regulations governing short-term, low-value credit union lending, a researcher has released a report that questions whether CUs can compete in that market.

Victor Stango is a researcher and associate professor at the Graduate School of Management at the University of California in Davis. He is the author of several papers that touch on credit union products and services, and the Filene Research Institute has funded his research in the past, though not on his most recent paper, “Are Credit Unions Viable Providers of Short-Term Credit?”

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