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This misalignment of incentives has led to widespread duplicated refinancing, or “loan flipping,” within the old-fashioned subprime little installment loan market, with refinances accounting for approximately three-quarters of loan amount for example associated with biggest loan providers. 23 One business’s CEO explained for an earnings call with investors that its customer support representatives get an advantage centered on exactly how many of their clients refinance “because encouraging renewals is a rather part that is important of company.” 24

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