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2 Payday Financing and State Legislation Payday lending was widespread. FDIC (2013) estimates that 4.7% of most U.S. households need at a while put lending that is payday while Pew Charitable Trusts (2012) sets the figure at 5.5percent of U.S. adults. In 2005, payday storefronts outnumbered McDonald’s and Starbucks locations combined (Graves and Peterson, 2008).