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I've been cut off buy bupropion In some ways, saying we need stronger credit unions is a bit of a cop-out. If we really want to tackle payday then what we need is stricter regulation of the sector itself – an end to rollover loans and a cap on interest rates, for starters – and banks being compelled to offer fair, transparent financial services to low-income groups rather than leaving them out in the cold. The truth is that payday lenders are there for a reason: the service that they offer, short-term lending, is needed – just not in the way it is being delivered at present.