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These loans were issued to more than 4.5 million working people in all 50 states, including more than 250,000 people in New York, many of whom were struggling to pay basic living expenses. Acting Deputy U.S. Attorney Joan Loughnane said: For more than 15 years, Scott Tucker and Timothy Muir made billions of dollars exploiting struggling, everyday Americans through payday loans carrying interest rates as high as 1,000 percent. Critics say the industry is ripe for abuse with interest rates that trap often-desperate borrowers into cycles of debt that are difficult to break. 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