The proposed set of laws by state legislatures limiting prices and fees for payday loans are regulations that aim to restrict the maximum charges and interest rates lenders can impose on borrowers.
2. A. Market for Payday Loans with no Government Intervention:
Title: Payday Loan Market (No Government Intervention)
Initial Curves:
Demand Curve (D1): Slopes downward, indicating the inverse relationship between price and quantity demanded. Represents the quantity of payday loans consumers are willing to borrow at different interest rates.Supply Curve (S1): Slopes upward, indicating the direct relationship between price and quantity supplied. Represents the quantity of payday loans lenders are willing to offer at different interest rates.Price1: Equilibrium price determined by the intersection of demand and supply.Quantity1: Equilibrium quantity of payday loans exchanged in the market.2 B. Market for Payday Loans with State Legislative Intervention:
Title: Payday Loan Market (State Legislative Intervention)
New Curves:
Demand Curve (D2): Shifts to the left due to the limitations on prices and fees set by state legislatures. Reflects the decrease in quantity demanded at each given interest rate.Supply Curve (S1): Remains the same as lenders' behavior is unaffected by state legislative intervention.Price 2: Equilibrium price determined by the intersection of the new demand and supply curves.Quantity 2: Equilibrium quantity of payday loans exchanged in the market after state legislative intervention.2. C. The proposed set of laws by state legislatures limiting prices and fees for payday loans are regulations that aim to restrict the maximum charges and interest rates lenders can impose on borrowers. These laws are designed to protect consumers from excessive fees and ensure they are not subjected to predatory lending practices.
The action by the Federal Government under former President Trump regarding the regulation of payday loans was the enabling of the Office of the Comptroller of the Currency to allow payday lenders to partner with nationally chartered banks, thereby bypassing state usury laws and charging higher interest rates and fees.
The action by the Federal Government under President Biden regarding the regulation of payday loans was the signing of an act to dismantle part of the Trump-era rule, blocking payday lenders from avoiding interest rate caps set by different states.
This action aimed to restore limitations on fees and interest rates, providing greater protection to vulnerable consumers in need of payday loans.
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ASHINGTON (AP) President Joe Biden signed into law Wednesday an act to dismantle part of the Trump era, blocking payday lenders om avoiding caps on interest rates, "This rule reflects a return to common sense and a commitment to the common good," liden said before the signing, surrounded by congressional leaders who joined him as he turned the resolution into law. Under ormer President Donald Trump, the Office of the Comptroller of the Currency had enabled payday lenders to charge interest rates in excess of what was allowed by the different states. Under the Trump Administration rule, payday lenders were able to partner with a nationally chartered bank to make high-cost loans and avoid state usury laws. States across the country have established limits on fees that could be charged for payday loans in order to protect vulnerable consumers under financial stress from exorbitant lending costs. NOTE: A payday loan is a short-term, high cost loan, generally for $500 or less, that is typically due on your next payday. Many states considered payday loans a legal form of loan sharking, so caps were put in place by state legislatures to limit the fees and interest rates a lender could charge for a payday loan. The Trump Administration rule allowed payday lenders to circumvented state laws, and charge excessively high fees. 2A. Construct a market for payday loans with no government intervention. In constructing your market, ensure there is a title to the market. Label initial curves, price, and quantity with subscript " 1 ". 2B. Return to your market in 2A (do not construct a new market) and make change(s) to the market as a result of actions by state legislatures limiting prices and fees lenders could charge for payday loans. Label new curves, price. and quantity with subsectipt " 2 ". 2C. In economic terms, what is the proposed set of laws by state legislatures limiting prices and fees for payday loans. 20. In economic terms, what was the action by the Federal Government under former President Trump regarding the regulation of payday loans. 25. In economic terms, what is the action by the Federai Government under President Biden regarding the regubation of payday loans.
Who ultimately gained possession of the neutral territory between the Sabine River and the Arroyo-Hondo Calcasieu line that became overrun by criminals?
Answer:
oof Maya you go to my school ik because i searched up your name and saw it i was like "Oh"
Between the ages of _____, children come to understand that thinking goes on inside the mind, that it can deal with either real or imaginary things, and that it is different from seeing, talking, touching, and knowing.
Between the ages of 2 and 7, children come to understand that thinking goes on inside the mind, that it can deal with either real or imaginary things, and that it is different from seeing, talking, touching, and knowing.
The term "theory of mind" refers to the ability to understand other people's mental states, such as thoughts, feelings, and beliefs. Before children develop this ability, they often have difficulty understanding that other people have different perspectives than they do and that people can be fooled by appearances.In the early years of life, children develop their theory of mind skills. At around the age of two, children begin to realize that others have different desires and goals. Around age three, children begin to understand that other people can have false beliefs, or beliefs that are not based on reality but rather on appearances. Between the ages of four and five, children become more sophisticated in their understanding of other people's thoughts and feelings. They begin to recognize that people can have different emotions, thoughts, and beliefs, and that these can affect their behavior.Taken together, these developments represent the emergence of a full-fledged theory of mind, or the ability to understand the mental states of others.
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Which of the following is true about the
people of Abu Hureyra and Jericho?
A They were fierce soldiers.
B They had a written language.
C They learned to build dams.
D They domesticated plants and animals.
Answer:
B
Explanation:
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Jenny wants to survey students on her campus about their political viewpoints. To ensure the most accurate results, what should she do
Answer: make an effort to use random selection
Explanation:
when might an over-the-air radio or television station air material considered obscene or indecent? group of answer choices after 10 pm, before 6am between 6 am and 10 pm stations cannot air obscene or indecent material after midnight, before 4 am.
Stations cannot air obscene or indecent material. However, they may air potentially offensive content between 10 PM and 6 AM.
Obscene material is prohibited from being aired on radio or television stations, according to the Federal Communications Commission (FCC) guidelines.
Indecent material, while not completely banned, is restricted to air during late-night hours, specifically between 10 PM and 6 AM.
This timeframe is designed to minimize exposure to children, as they are less likely to be watching or listening during these hours.
It is essential for broadcasters to adhere to these guidelines, as violating them can result in fines, license revocation, or other penalties imposed by the FCC.
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How does industries help to minimize trade defict?
Answer:
Industries consume less and saves more, they saves more than they spend. Depreciating the exchange rate. Tax capital inflows. By generating high income jobs.hope it helps!
the is a symbol of sikhism found in the mul mantar that is repeated everyday by observant sikhs. question 9 options: a) khalsa b) darbar sahib c) ek onkar da) naam
The symbol of Sikhism found in the Mul Mantar that is repeated every day by observant Sikhs is "Ek Onkar." So, the correct option is c) Ek Onkar.
This symbol represents the belief in one God and is considered to be the essence of Sikhism. The phrase "Ek Onkar" translates to "There is one God" and is considered to be the first and most important line of the Mul Mantar.
Sikhs recite the Mul Mantar every day as part of their daily prayer routine, and the repetition of "Ek Onkar" helps to reinforce their belief in the oneness of God. I hope this provides you with a detailed answer to your question.
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What is Will Jime's 9/11 story?
Answer:
https://www.npr.org/2021/09/09/1035418739/novels-and-short-stories-that-have-been-inspired-by-9-11-attacks
What always happens as a result of a coup? Select all that apply.
A new leader takes over.
The people riot.
All of the opposing leaders are executed.
The current government is overthrown.
Answer:
It is everthing except "the people riot".... so
- The new leader takes over
- All the opposing leaders are executed
- The current governemnt is overthrown
Explanation: Cause a coup is basically when a military leader overhthrows the old government or taes over the leader. SOOOO, all of the answers that I just said apply except "the people riot".
Hope it helps :)
when a goal-directed action becomes automated and routine it is called a: a. association b. conditioned response c. habit d. learned behavior
When a goal-directed action becomes automated and routine and it is called habit
A routine of conduct that is routinely practiced and frequently happens unconsciously is referred to as a habit.
A habit is a more or less established style of thinking, willing, or feeling formed via previous recurrence of a mental experience, according to the American Journal of Psychology. The relationship between the context and the action gradually strengthens when behaviors are repeated in the same environment. This makes the behavior more automatic in that situation. All or more of the following characteristics of an automatic conduct include effectiveness, lack of awareness, unintentionally, and uncontrollably.
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What are social-conflict theorists looking for when they view modern society?
A. How macro-level and micro-level perspectives reveal different things about society
B. If inequalities exist as a result of social stratification
C. How long it takes for social institutions to become impersonal
D. When the details of personal interactions become too difficult to see
Answer: If inequalities exist as a result of social stratification
Explanation:
Social-conflict theorists are looking for any kind of inequalities if they exist as a result of social stratification in modern society.
What is Social Stratification?Social stratification is the division of society into categories, levels and strata.
These divisions lead to social inequality — the sharing of inequalities in resources and social benefits.
Social Conflict Theory views society as a domain of inequality on the basis of occupation, income, level, category, and wealth, and many more that produces conflict and social change.
Thus, Option B is the correct statement.
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A stock market crash can weaken consumer confidence. How could low consumer confidence helpcause a depression? Explain.
A stock market fall can lower consumer confidence, which can result in less spending, which can diminish demand, result in job losses, and cause the economy to weaken, possibly leading to a recession or depression.
How might a decline in consumer confidence contribute to a depression?Consumer confidence declines are the main cause of economic depressions since they lower demand, which ultimately leads to business closures. Companies must make budget cuts, including hiring fewer employees, when customers stop purchasing goods and paying for services.
How was the Great Depression impacted by the stock market crash?Businesses went out of business, factories stopped producing goods, and banks failed. Agricultural revenue plummeted about 50 percent. In 1932, about one in four Americans did not have a job.
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People from individualistic cultures experience cognitive dissonance ________, while people from collectivistic cultures experience cognitive dissonance ________.
Cognitive dissonance is different when observed in individualism and collectivism. People from individualistic cultures experience cognitive dissonance in private setting, while people from collectivistic cultures experience cognitive dissonance in public setting.
In the collectivist cultures, private behaviors and beliefs do not cause cognitive dissonance.This ability to put ones mind on personal identity and autonomy is a culture that can have influence on how a society functions
Individual or workers in an individualist culture ado value their own well-being over the good of the group.
Individualistic cultures are focused on self, being independent instead of coming closer with a group mentality.
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What is a main reason that the alliance between Ousamequin’s people and the people of Plymouth ended?
A-Tens of thousands of English settlers arrived, overwhelming the region of New England.
B-Some Wampanoag groups became Christians.
C-The U.S government forced the Wampanoag people to relocate.
D-The settlers insisted on sharing the land.
It’s not D by the way.
Answer:
A
Explanation:
I searched it up and it told me the similar answer like the one a has
Authoritarian governments tend to ignore rules limiting their power, if there are any
rules
true or false
Answer:
True
Explanation:
Three easy Questions!(like I said before I didn’t study enough)pleaseeee helpp!there’s a passage for extra help!!!(short passage)
1.He believed the U.S. was illegally waging war in Southeast Asia and that it was his patriotic obligation to oppose it, even if it meant risking his iconic status. He joined the organization's national board and became co-chairman in 1963. Spock opposed the Vietnam War and in 1964 endorsed Lyndon B. Johnson's candidacy on the basis of assurances that if he became president, he would not escalate the conflict.
What is carrying capacity?
Answer:
Carrying Capacity means the limit that it can reach.
Explanation:
For example, the elevator's carry capacity might be 500 pounds.
Hope this helps ;) Plz mark brainliest :P
Answer:
The number or quantity of people or things that can be con conveyed or held by a vehicle or container.
Explanation:
\( \frac{dn}{dt} = rn(1 - \frac{n}{k} )\)
\( \frac{dn}{dt} = rate \: of \: population \: change\)
.
_____ is a policy of keeping racial-ethnic groups apart.
Segregation is a policy of keeping racial-ethnic groups apart.
Segregation refers to the practice of separating racial-ethnic groups based on various factors such as race, ethnicity, or national origin. It involves the establishment of physical, social, or legal barriers that limit or restrict interactions between different racial-ethnic groups. Segregation can manifest in various forms, including residential segregation, educational segregation, and segregation in public facilities such as transportation, parks, or restaurants.
Historically, segregation has been used as a means of maintaining social, economic, and political control by promoting inequality and discrimination. It has perpetuated racial disparities, limited opportunities for marginalized groups, and undermined the principles of equality and inclusivity.
While significant progress has been made in addressing segregation through civil rights movements and legal reforms, its effects still linger in some societies. Efforts to combat segregation involve promoting integration, diversity, and equal access to resources and opportunities for all individuals, regardless of their racial or ethnic background.
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while george rogers clark was capturing kaskaskia what was happening in the south
While George Rogers Clark was capturing Kaskaskia in the west, the southern colonies were in the midst of a key battleground in the American Revolutionary War.
What happened during capturing of kaskaskia in the south?While George Rogers Clark was capturing Kaskaskia in present-day Illinois, the southern colonies were in the midst of the American Revolutionary War. British forces had captured Savannah, Georgia, in 1778 and Charleston, South Carolina, in 1780.
The southern colonies became a key battleground for the war as the British hoped to rally loyalist support and crush the rebellion. However, American forces, led by General Nathanael Greene, were able to mount a successful defense and eventually push back the British. The Battle of Yorktown, in Virginia in 1781, was a turning point that ultimately led to the British surrender and the end of the war.
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which of the following statements about volunteering in late adulthood is true? group of answer choices older adults with less education and lower incomes are the most likely to volunteer. only about 10 percent of 60- to 70-year-olds in industrialized nations report volunteering. of older adults who volunteer, over half give 200 or more hours per year. time spent volunteering usually begins to decline by age 60.
Volunteering in late adulthood could over half give 200 or more hours per year.
About volunteerVolunteers are individuals who voluntarily spend their time, energy and personal funds to help others for social welfare.
Volunteers are a person or group of people who help, involve a commitment to help individuals, families or communities in solving social problems without expecting profit.
Volunteer activities can be in the form of activities that serve, contribute, and are useful for others. When an individual carries out volunteer activities, the individual will feel that his life has meaning.
Volunteering activities can be interpreted as activities in which a person voluntarily gives his time to benefit others. Voluntarism is an activity that demands an active role of the individual in choosing voluntarily, participating in volunteer training which describes the process of choosing based on the activities one wants to pursue, making decisions, and developing personal values and motivation.
Volunteer behavior is generally known as the behavior of helping someone who has become values that are applied in national and religious life. This voluntary behavior also has an influence on a person.
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hieronymus bosch's famous triptych, the garden of earthly delights, seems to have been intended to
Hieronymus Bosch's famous triptych, the Garden of Earthly Delights, seems to have been intended to explore the themes of sin, temptation, and the consequences of indulging in earthly pleasures.
The painting's central panel depicts a surreal landscape filled with fantastical creatures and hedonistic scenes, while the left and right panels offer contrasting visions of the punishment that awaits those who give in to temptation.
Bosch's work reflects the medieval Christian worldview, which saw the world as a fallen place and emphasized the importance of resisting temptation and living a virtuous life. Through his vivid and unsettling imagery, Bosch challenges viewers to consider the consequences of their actions and the fragility of human morality.
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why don't plants in the ocean need strong stems?
I am a skilled person who would created items in Rome. These items could range from fine jewelry, to pots and weapons for the Empire. Who am I ?
1.)Musicians
2.)Lawyers
3.)Craftsmen
4.)Patricians
I I think i know it I just gotta make sure my answer right
Answer:
u would be a craftsmen
Explanation:
The person says they creat items. So u would know it is a Craftsmen
Answer: Craftsmen
Explanation:
Craftsmen is the only one that makes sense. Its obviosuly not musicians or lawyers. It's not a patrician because they were wealthy who usually ran for senator or pntifex, etc
one advantage of using cash for all purchases is that cash
One advantage of using Cash for all purchases is that Cash is not likely to be subject to Finance Charges
Explanation:The simplest advantage to paying with cash is the limitation it puts on what you buy. Without a buy-now-pay-later mentality associated with credit cards, you will purchase only items that are affordable, and covered by the cash you have on hand. This way, you never have to worry about buying anything you can't afford at the moment.
#CarryOnLearning#BrainliestAnswermaximum oxygen uptake, or vo2max , is the point at which the rate of oxygen consumption reaches a plateau despite an increased workload. consider the scenarios below, then click and drag each label into the appropriate category based on whether it increases vo2max , decreases vo2max , or neither.
A. Effects in higher vo2 max.
1. train-ing for the mara-thon (mo-re oxygen consum-ption)
2. weight training. (more oxygen consumption)
B. Consequences in lower vo2 max
1. lactic acid accumulation.
2. get-ting older (less oxy-gen consumption & less oxy-gen delivery to muscles)
3. sedentary life-style (less oxygen consum-ption & less oxygen deli-very to muscles)
4. being female.
C. Neither.
1. being male
2. central fatigue
VO2 max is the mea-sure of the maximum oxygen cons-umption during constant-ly increasing exer-cise. High-er VO2 repre-sents the body is down-ing a high-er level of oxygen & also deliver-ing it to muscles with-out muscle loss.
Complete question -
Maximum oxygen uptake, or V02max, is the point at which the rate of oxygen consumption reaches a platesu despite an increased workload. Consider the scenarios below, then click and drag each label into the appropriate category based on whether it increases Vo2max, decreases VOzmax, or neither
Lactic acid accumulation, Being male, Being sedentary Training for a marathon, Central fatigue, Being female, Getting older, weight raining.
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Michael persuaded Jack and Julian that their choice of restaurant was a poor one because the parking lot was a few blocks away and dimly lit. The trio went elsewhere. Which trait did Michael exemplify
Answer: Assertiveness
sociology
Q)main difference btw structuralism and interpretivism
Q2)pictue below shows puppet and strings.think of another way showing the different approaches in a visual way,using as few words as possible.
The main difference between structuralism and interpretivism is that structuralism is an approach to the study of society according to its social structures, that is, social institutions and their relationships will shape society as a whole.
Interpretivism, on the other hand, is a broader approach to society, not based only on social structures, but on each action and fact that occurred in society, interpreting them in a more comprehensive way.
How can the image below be interpreted?The image shows a cartoon of the statue of liberty as if it were manipulating the population like a puppet, this would resemble the approach of structuralism and in the drawing to the side it is shown citizens manipulating the statue of liberty as a puppet, as in the interpretivist approach.
Therefore, the understanding of social facts can be related according to the sociological and anthropological approach and interpretation, which helps in the development of society and its evolution.
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What is the landmark of taj mahal
What is the difference between conditional love and unconditional love?
How did this invention contribute to the expansion of the plantation system?
Answer:
By reducing the number of slaves needed for growing cotton
Explanation:
Answer:
Eli Whitney's cotton gin changed the south by, triggering vast westward movement, made it so planter grew more cotton, and the cotton exports expanded.
Explanation:
Hope this help