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New rules imposed on payday lenders by the regulator which included capping the amount people were charged so they never have to pay more than double what they borrowed, have been in force since Jan 2015. Since then, the number of people going to Citizens Advice for help with these kinds of debts has fallen by more than a half. But is it all good news for borrowers? Should the regulator now look to regulate other forms of high cost credit?

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