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Due to their nature, payday loans are often the subject of public discontent and a good area for intervention by politicians who aim to protect customers. In this article, we will compare the existing regulatory control over this part of consumer finance in the UK and Bulgaria and examine the effects …

The first part examined the incentives driving the behavior of politicians and the "People" and at the same time questioned the idea that the "People" is a homogeneous body that thinks and acts alike. The second part will focus on several policies that have been on the agenda in recent years and were imposed with the argument that ...