Berkshire Hathaway’s Charlie Munger-backed outside fund manager Li Lu is quick to say, “The biggest risk in investing isn’t price volatility, but whether you’re going to suffer a permanent loss of capital “. When we think of a company’s risk, we always like to look at its use of debt, because over-indebtedness can lead to …

When the word pirate is used in conversation, you often think of Johnny Depp and the Pirates of the Caribbean franchise. Perhaps you think of Somalia and real-life modern pirates like the ones Captain Philips encountered during the Maersk Alabama hijacking in 2009. But you would never wonder if the pirates were gay or not. …

HARRISBURG, DOLPHIN COUNTY (WBRE/WYOU) — The United States Attorney’s Office announced that two people have been indicted by a federal grand jury on charges of money laundering conspiracy after receiving funds from a sweepstakes scam. According to U.S. Attorney John C. Gurganus, the indictment alleges 27-year-old Troy Smith and 36-year-old Michelle Greenwood of Mississippi committed …

Under Armor (UAA) stock has seen four buy upgrades since the start of the year, the most recent from Morgan Stanley (MS) on Wednesday. Since November’s strong earnings report, UAA has posted a solid 25% pullback and analysts see a buying opportunity. Under Armor shares have historically traded at a rich valuation, with high growth …

BIRMINGHAM, Alabama., February 3, 2022 /PRNewswire/ — Guaranteed ratea leader in mortgage lending and digital financial services, announces that it has expanded its relationship with BASS, the global bass fishing authority, to serve as title sponsor of five Bassmaster Elite Series events in 2022. Guaranteed Rate will be the title sponsor of the following events: …

Like a puppy chasing its tail, some new investors are often looking for “the next big thing,” even if that means buying “history stocks” with no revenue, let alone profit. And in their study titled Who falls prey to the wolf of Wall Street? » Leuz and. al. found that it is “fairly common” for …

Online bank ING has announced that it will raise interest rates on a number of its fixed and variable home loans by 10 to 30 basis points from tomorrow (February 3). The changes will result in increased variable interest rates on the bank’s Orange Advantage loan and increased fixed rates on its Fixed Rate Loan …

The logo of SIG Combibloc Group, manufacturer of carton packaging and filling machines for beverages and food, is seen at a factory in the town of Neuhausen, Switzerland, June 15, 2016. REUTERS/Arnd Wiegmann Join now for FREE unlimited access to Reuters.com Register Deal to be financed in shares, cash Equity value of €1.05 billion Laurens …

BATON ROUGE, La. (WAFB) – The East Baton Rouge Sheriff’s Office arrested several people connected to a massage parlor prostitution ring this weekend. According to EBRSO, its narcotics division has been investigating complaints since September of an organized prostitution ring operating in local massage parlors in East Baton Rouge Parish. Officers learned during their investigation …

Did you know that there are financial metrics that can provide clues of a potential multi-bagger? Typically, we will want to notice a growth trend to return to on capital employed (ROCE) and at the same time, a based capital employed. Simply put, these types of businesses are slot machines, meaning they continually reinvest their …

(MENAFN-Caribbean News Global) By Kemol King GEORGETOWN, Guyana, (DPI) – Guyana expects a tsunami of revenue inflows into its Natural Resources Fund (NRF), over the next four years, amounting to twice the size of its $552.9 billion budget for 2022. . The projections are captured in the 2022 budget, which was recently tabled in the …

Canada’s reputation for squeaky cleanliness has taken a nosedive, according to an anti-corruption watchdog. This week, Transparency International (TI) released its annual Corruption Perceptions Index for 2021. The index shows Canada continuing its downward spiral, after falling out of the top 10 in 2019. Large-scale money laundering and opaque institutions are among the reasons for …

Warren Buffett said: “Volatility is far from synonymous with risk. When we think of a company’s risk, we always like to look at its use of debt, because over-indebtedness can lead to ruin. We notice that Scomi Energy Services Bhd (KLSE:SCOMIES) has debt on its balance sheet. But does this debt worry shareholders? When is …

This tutorial is about how technology is changing the digital lending landscape?. We will do our best for you to understand this guide. I hope you will like this blog How is technology changing the digital lending landscape?. If your answer is yes, please share after reading this. Check How technology is changing the digital …

Changing times also lead to changes in spending as well as borrowing habits. The financial preferences of millennials are very different and interesting compared to older generations. India’s budding working generation is increasingly opting for personal loans to fund their travel plans or purchase expensive consumer durables. According to a 2020 report from credit bureau …

A new economic forecast indicates that U.S. banks will see greater growth in the “bread and butter” business of taking deposits and lending money, writes Reuters. The US economy is expected to continue to expand and the Federal Reserve has said it is ready to raise interest rates for the first time in three years, …

The Enforcement Branch seized immovable property worth Rs 43.25 crore belonging to Sheetal Refineries Limited and its developer in a money laundering case. Photo for representation The Law Enforcement Directorate seized immovable property worth Rs 43.25 crore belonging to Sheetal Refineries Limited and its developer Jitender Kumar Agarwal under the Prevention of Money Laundering Act …

If you’re not sure where to start when looking for the next multi-bagger, there are a few key trends you should watch out for. Among other things, we will want to see two things; first, growth to return to on capital employed (ROCE) and on the other hand, an expansion of the quantity capital employed. …

New Jersey, United States,- A market research report recently added to the repository of verified market reports is an in-depth analysis of the Automotive Lending Services Market. Based on the historical growth analysis and the current scenario of the Automotive Loan Services Market, the report aims to deliver actionable insights on the growth forecast of …

The global Anti Money Laundering (AML) Software Market is valued at around USD 977 Million in 2018 and is expected to grow with a healthy growth rate of over 12.61% over the forecast period 2019-2026. Anti-Money Laundering (AML) software refers to a solution that allows financial institutions and banks to monitor customer behavior for suspected …

Shares of Ramco Cements Ltd plunged 4% on the NSE on Tuesday, a day the Nifty50 index rose 0.75%. The reason is simple: its results for the December quarter announced Monday evening disappointed investors. Higher than expected electricity and fuel costs weighed on results. Moreover, the achievements have been moderate. The result: Ebitda (earnings before …

Friday, Jan. 21, 2022: Biden administration’s vaccination efforts limited to sole mandate for healthcare workers as court orders executive order requiring federal employees to be vaccinated In the latest losing streak for the Biden administration’s efforts to vaccinate the American workforce, the U.S. District Court for the Southern District of Texas on Friday Posted a …

The past few days have been difficult for cryptocurrency investors, although they should get used to it by now. The month-long decline of cryptocurrencies like Bitcoin and Ethereum has accelerated in recent days, with prices now hitting six-month lows, wiping out billions of dollars in value. Here’s what you need to know about the cryptocurrency …

United States: Rapidly Evolving AML Risk: Principles for Proactive Compliance in 2022 – American Bankers Association January 24, 2022 Buchanan Ingersoll & Rooney PC To print this article, all you need to do is be registered or log in to Mondaq.com. John Cunningham, a shareholder in the firm’s White Collar Defense, Compliance & Investigations group, …

Image: Getty Images Jio Platforms recorded its highest quarterly gross revenue to date, posting ₹24,176 crore ($3.3 billion) for the third quarter, an improvement of nearly 14% from a year ago. a year. Jio Platforms Chairman and CEO Mukesh Ambani attributed the growth to “key consumer baskets” following the festive season and the easing of …

A Bank of China staff member works behind counters at a branch in north China’s Shanxi province, March 13, 2020. /CFP A Bank of China staff member works behind counters at a branch in north China’s Shanxi province, March 13, 2020. /CFP China is better prepared to weather the latest round of Fed cuts than …

Some say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett said “volatility is far from synonymous with risk.” When we think of a company’s risk, we always like to look at its use of debt, because over-indebtedness can lead to ruin. We notice that Telecom …

The Shetland Library has released lists of the most popular books of 2021. The most borrowed adult fiction book won the Booker Prize Shuggie bath by Douglas Stewart, the story of a boy who grows up in Glasgow with his alcoholic mother. He beat the runaway bestseller The Thursday Murder Club by Richard Osman in …

(Guardian of Trinity) In 2021, the Financial Investigations Branch (FIB) charged four people with money laundering with a cumulative value of TT$30,747,417 and it is expected that this year more people will face similar charges. This was revealed at the T&T Police Department press conference yesterday by Acting Chief Superintendent Wendell Lucas of the FIB. …

Once the loan is accepted by the credit company, the amount is immediately credited to your account. Online payday loans are received simply and in a timely manner. Online payday loans are a fantastic choice for people who have little money to meet their needs. Regardless of the name, these loans are rather short term …

MADISON, WIS. — Timothy M. O’Shea, United States Attorney for the Western District of Wisconsin, announced that Craig Klund, 58, Yankton, South Dakota, was sentenced today by U.S. District Judge James D. Peterson to 10 years in federal prison for wire fraud, money laundering and aggravated identity theft. Klund, formerly of Chippewa Falls, Wisconsin, pleaded …

DraftKings (NASDAQ:DKNG) the stock has been in decline for a few months. DKNG shares have lost more than 50% of their value over the past three months. The decline presents a great opportunity for aggressive investors to stock up on stocks at a fantastic price. Source: Lori Butcher / Shutterstock.com DraftKings is one of the …

MMillions of crypto investors, speculators, and enthusiasts have bought and sold cryptocurrency over the past decade, hoping that crypto would be both a powerful investment and a currency of the future. As a result, the cryptocurrency market is booming. Bitcoin, the most recognizable crypto name, has risen from a low of around $5,000 in March …

Former Ald. Ricardo Muñoz, right, listens to his attorney Richard Kling speak to the media on Monday, Sept. 27, 2021. (Heather Cherone/WTTW News) Federal prosecutors have argued Ricardo Muñoz deserves a year in jail after pleading guilty to wire fraud and money laundering charges, but an attorney for the former 22nd Ward councilman believes his …

L&T Technology Services on Tuesday reported a 33.7% year-on-year (YoY) growth in consolidated net profit for October-December to Rs 248.8 crore. On a quarterly basis (QoQ), profit increased by 8.2%. The company’s revenue rose 20.5% year-on-year and 5% quarter-on-quarter to Rs 1,687.5 crore in the quarter under review, while earnings before interest, tax, depreciation and …

Palu, C Sulawesi (ANTARA) – Losses from illegal investment schemes and loans involving millions of victims reached 117.4 trillion rupees or around 8.2 billion US dollars in the decade of 2011 -2021, said the Financial Services Authority (OJK). According to Wiwit Puspasari, Deputy Head of OJK’s Investment Warning Task Force, losses due to investment schemes …

Inflation: Wherever you go shopping, prices continue to rise, from groceries to housing, electricity and more. After a record 7.1% year-on-year rise in the CPI, the highest for the first time since 1982, US households may begin to wonder how they can protect and even grow their hard-earned cash against the rise. of inflation. Creeping …

Online lender Athena started 2022 with a bang by lowering a number of its variable home loan rates by 10 to 30 basis points. Effective today, Athena’s latest reductions – which apply to its variable AcceleRATES home loan for new and existing customers – have pushed a number of its variable rates to new lows. …

The Asia/Pacific Money Laundering Group (APG) reported that the SAR continues to be its highest rated member in terms of technical compliance assessment. The APG was founded in 1997 and is one of the associate members of the Financial Task Action Force, an international organization for the fight against money laundering and the financing of …

Like a puppy chasing its tail, some new investors are often looking for “the next big thing,” even if that means buying “history stocks” with no revenue, let alone profit. Unfortunately, high-risk investments are often unlikely to ever return, and many investors pay a price to learn their lesson. Contrary to all that, I prefer …

On Friday, banks deposited 4.31 trillion rupees of their excess funds with the Reserve Bank of India (RBI) at a threshold of 3.99%, virtually contacting the repo rate, showing that foreign exchange market rates will not fall in a hurry even as the RBI abandons its cash-absorbing mode. The central bank had stunned the bond …

PTI New Delhi, January 15 The Law Enforcement Directorate said on Saturday it had seized a Delhi-based journalist’s residential property worth Rs 48.21 lakh as part of a money laundering investigation. related to the alleged leak and provision of sensitive information to Chinese intelligence agents. An interim order has been issued under the Prevention of …

What are the early trends to look for to identify a stock that could multiply in value over the long term? Among other things, we will want to see two things; first, growth to return to on capital employed (ROCE) and on the other hand, an expansion of the quantity capital employed. Basically, this means …

KARACHI: A Pakistani businessman based in Dubai, Umar Farooq Zahoor, who was facing two FIA fraud and money laundering cases, contacted the Chief Justice of Pakistan (CJP), Judge Gulzar Ahmed , to seek justice against the FIA’s alleged illegal actions despite superior court orders in its favor. The Umar Farooq Zahoor case came to light …

Industrial sector weakened due to rising costs and physical supply chain issues The Golub Capital Altman Index can provide an early look at the financial performance of public companies and GDP ahead of the earnings season. NEW YORK, January 13, 2022 /PRNewswire/ — Mid-market private companies in the Golub Capital Altman Index reported 22% EBITDA …

Personal loans are popular options for Australians looking to finance home renovations and other major expenses. With personal loan rates at historic lows, they are also useful tools for consolidating and paying down debt. The cheap interest rates and lightning-fast online application and approval times are big pluses, but there are a few important things …

Bangladesh’s economy is expected to grow by 6.9% in FY 2022-23 on strong export growth and a rebound in domestic demand, the World Bank (WB) said in its World Economic Outlook. released on Tuesday. “In Bangladesh, strong export growth, supported by the return of demand for garments from abroad, and a rebound in domestic demand …

HUNTINGTON, W.Va. – A Nigerian national who was indicted in April 2021 as part of a massive fraud and money laundering scheme has pleaded guilty to conspiring to commit money laundering. According to court documents and statements made during the plea hearing, Kenneth Emeni, 29, a Nigerian citizen residing in Martinsburg, was involved from at …

Warren Buffett said: “Volatility is far from synonymous with risk”. So it can be obvious that you need to consider debt, when you think about how risky a given stock is, because too much debt can sink a business. We notice that Xcel Energy Inc. (NASDAQ: XEL) has debt on its balance sheet. But the …

Ipass Loans is a website dedicated to reducing the time and frustration of getting a short term loan, even if the borrower has bad credit references. The website contains links to a range of lenders who work with borrowers who may have difficulty securing a traditional loan. Ipass Loans is pleased to announce that its …

Tech stocks fell again as the prospect of a faster rate hike from the Federal Reserve caused panic in markets. The Nasdaq Composite Index on Wall Street, which is dominated by tech giants, fell more than 2% early in the session amid concerns that some stock prices were inflated by the influx of new printed …

By Vipul Kharbanda and Aman Nair Even as crypto-assets continue to establish themselves as a staple of global financial and technology markets, governments face the challenge of applying regulatory systems to them that are not suited to the nuances that exist in the market space. crypto-assets. However, this can often lead to the emergence of …

KanawatTH / iStock via Getty Images By Reema Agarwal, CFA, Director, Floating Rate Debt, Franklin Templeton Fixed Income The technical and fundamental situation appears favorable for bank lending for a number of reasons, according to Reema Agarwal, director of floating rate debt at Franklin Templeton Fixed Income. She says current spreads look attractive in what …

On January 6, Interior Minister Sar Kheng said at a ceremony issuing the provisions of a sub-decree against money laundering, terrorist financing and the financing of proliferation of weapons of destruction. massive, which also establishes a committee to oversee relevant work. SAR KHENG VIA FACEBOOK On January 6, Interior Minister Sar Kheng called on the …

Legendary fund manager Li Lu (whom Charlie Munger supported) once said, “The biggest risk in investing is not price volatility, but the possibility that you will suffer a permanent loss of capital.” So it can be obvious that you need to consider debt, when you think about how risky a given stock is, because too …

WHEN both sides of Scotland’s political divide oppose an idea, you know it’s probably half-decent. British nationalists and Scottish nationalists have pounced on themselves to attack the recent hesitation of the suggestion that any future independence referendum contains a third option: “Devo Max”. Full transparency as always with me: regular readers will know that I …

Non-governmental organization monitoring wild animal and plant trade urged Chinese online platforms to implement anti-money laundering (AML) strategies to uncover online wildlife trafficking networks and prevent criminals from using the platforms for illegal trading. Non-governmental organization monitoring wild animal and plant trade urged Chinese online platforms to implement anti-money laundering (AML) strategies to uncover online …

New Jersey, United States, – The latest report published by Verified Market Reports shows that the Auto Loan Services Market should experience a sustained pace in the years to come. Analysts looked at market drivers, restrictions, risks and openings in the global market. The Auto Loans Services report shows the likely direction of the market …

Berkshire Hathaway’s Charlie Munger-backed external fund manager Li Lu is quick to say this when he says “The biggest risk in investing is not price volatility, but if you will suffer a loss. permanent capital “. When we think about how risky a business is, we always like to look at its use of debt …

Here we are in a bright and shiny new year. Let’s see what this one could bring. – I’ll start with virtual reality. The past year has been slow and gradual until the end. Facebook announced Meta and it seemed to excite current venture capitalists and VR makers, and sparked new vigor in the market. …

The former CEO of Swedbank has been charged with fraud, market manipulation and unauthorized disclosure of inside information, after an investigation into a large-scale money laundering scandal in the Baltic states. Birgitte Bonnesen, who was sacked as chief executive two years ago when the scandal erupted, “repeatedly spread misleading information” that the bank had no …

For newbies, it might seem like a good idea (and an exciting prospect) to buy a business that tells a good story to investors, even if it lacks a history of revenue and profit altogether. But as Peter Lynch put it in One Up on Wall Street, ‘Long shots hardly ever pay off.’ Contrary to …

Global developments 2022 appears to start with a sense of global risk that continues despite a surge in COVID cases across the world. Although US nominal yields have risen in the short end, real rates remain deep in negative territory. This weighs on the dollar which has weakened overall except against the JPY which is …

India’s central bank, the Reserve Bank of India (RBI), has warned of the multiple risks the cryptocurrency poses to the country’s financial stability. “They are also prone to fraud and extreme price volatility,” says the apex bank, noting that “cryptocurrencies present immediate risks to customer protection and the fight against money laundering (AML) / fight …

If you’re not sure where to start when looking for the next multi-bagger, there are a few key trends you should watch out for. First, we would like to identify a growth to return to on capital employed (ROCE) and at the same time, a based capital employed. Basically, it means that a business has …

ZAGREB, January 1, 2021 – The rebound of the corona crisis, the improvement in the country’s credit rating as well as a rise in inflation marked the economic trends in Croatia in 2021. After 2020, which will be remembered for the efforts to stem the COVID-19 pandemic and for the devastating earthquakes that hit the …

Starting in February, Estonia is set to introduce sweeping changes to its definition of Virtual Asset Service Provider, or VASP, to include several cryptocurrency-related services – a move that could impact Bitcoin (BTC) ownership in the country – according to the European compliance specialist. Sumsub. On September 21, the Estonian Ministry of Finance released a …

Legendary fund manager Li Lu (whom Charlie Munger supported) once said, “The biggest risk in investing is not price volatility, but the possibility that you will suffer a permanent loss of capital.” So it can be obvious that you need to consider debt, when you think about how risky a given stock is, because too …

Francis Creighton, president and CEO of the Consumer Data Industry Association, a professional group for the credit reporting industry, said it was important for late payment loans to be reflected on credit reports in order to that lenders can get a true picture of the overall situation of a loan seeker. credit profile. But because …

Kapil Sibal Former Union Minister On December 17, in a speech to the Federation of Indian Chambers of Commerce and Industry (FICCI), Union Home Secretary Amit Shah said the government had resolved “several outstanding issues. for a long time in the country – the repeal of section 370 without a drop of blood. be paid; …

Year-end roundups are never easy, because reducing 365 days of news stories to 1,000 words means the end result always ends up doing little justice to the original stories. Of course, the many ongoing cases involving Yorgen Fenech, linked to the murder of journalist Daphne Caruana Galizia, have of course overshadowed everything else in court …

What are the first trends to look for to identify a title that could multiply over the long term? Ideally, a business will display two trends; first growth to return to on capital employed (ROCE) and on the other hand, an increase quantity capital employed. If you see this, it usually means it’s a company …

LOS ANGELES – December 29, 2021 – (Newswire.com) iQuanti: borrowers with poor credit have available loans that fall into two broad categories: secured and unsecured loans. Many of these loans offer online applications, so you may be able to apply from the comfort of your own home. This is how secure and unsecured online loans …

ECONOMYNEXT – Sri Lanka’s prospects of securing a $ 400 million central bank swap and import credits from India have improved after the island’s petroleum minister announced that a agreement would be signed on a tank farm in India in January. During a visit by Minister of Finance Basil Rajapaksa to India. Goodwill gesture The …

TEMPO.CO, Jakarta – The Prosperous Justice Party (PKS) faction deputy leader for the economy and finance in the House of Representatives (DPR), Ecky Awal Mucharam, said the state debt which reached 41.38 percent of gross domestic product (GDP) had already exceeded its healthy share. Ecky said this raises questions about whether the source of funds, …

WICHITA, Kansas, December 28, 2021– (COMMERCIAL THREAD) – CURO Group Holdings Corp. (NYSE: CURO) (“CURO”), a technology-based omnichannel consumer finance company serving unprivileged and privileged consumers in the United States and Canada, today announced that it has completed its previously announced the acquisition of Heights Finance, a consumer finance company that offers installment loans and …

UK court sent two men behind bars for a total of 33 years for laundering the equivalent of nearly US $ 95 million and fraudulently claiming $ 13.44 million in COVID-19 rebound loans for their bogus companies , reported the National Crime Agency. Artem Terzyan, 38, of Russia was sentenced to 17 years and Deivis …

Legendary fund manager Li Lu (whom Charlie Munger supported) once said, “The biggest risk in investing is not price volatility, but the possibility that you will suffer a permanent loss of capital.” When we think about how risky a business is, we always like to look at its use of debt because debt overload can …

LOS ANGELES, December 27, 2021 (GLOBE NEWSWIRE) – In the past, potential borrowers had to send a loan application by mail or go to a branch and apply in person. Loans can take days or weeks to fund. But now online loans make it easier for borrowers to get the funds they need. Borrowers can …

While the government has announced that it will likely introduce a regulatory framework to prevent certain irregularities in the market, it further proposed that it will not ban crypto entirely, but will only introduce rules and regulations. regulations in the digital currency sector. On Thursday, November 18, Prime Minister Narendra Modi said cryptocurrencies must not …

Like a puppy chasing its tail, some new investors often chase “the next big thing,” even if that means buying “history stocks” with no income, let alone profit. Unfortunately, high-risk investments are often unlikely to pay off, and many investors pay a price to learn their lesson. Contrary to all this, I prefer to spend …

On December 14, the Financial Crimes Enforcement Network (“FinCEN”) issued a information request (“RFI”), soliciting comments on ways to “streamline, modernize and update” the anti-money laundering (“AML”) and the financing of terrorism (“CTF”) regime of the United States. United. As we will see, the RFI is the latest development in a long investigation of how …

If we are looking to avoid a business in decline, what are the trends that can alert us upstream? When we see a drop to return to on capital employed (ROCE) in connection with a decrease based capital employed is often how a mature business shows signs of aging. Basically, the business earns less on …

December 24 – Welcome home for real-time market coverage presented by Reuters reporters. You can share your thoughts with us at [email protected] STOXX DISH IN THIN COMMERCE (0855 GMT) European stocks are hovering around the floating line, with only a few stock markets open for half a day on Christmas Eve, including London, Paris and …

LOS ANGELES – December 23, 2021 – (Newswire.com) iQuanti: Getting a loan entirely online is a modern day convenience that opens up loans to more borrowers. But with so many options available, the process of determining which loan to use can get confusing. So if you want to take out a loan online but don’t …

Traditional financial institutions such as banks and credit unions can provide small business loans as well as financial products for veterans. That said, qualifying veteran-owned businesses can borrow funds from a number of other sources as well. Online loans Online business loans are a common source of funds for businesses, including those owned by veterans. …

(Bloomberg) – The rapid rise in interest rates, a key factor in the 72% rally in Polish bank stocks this year, could gradually turn into pressure on valuations in 2022. Bloomberg’s Most Read The industry benefited from a monetary tightening which boosted banking income mainly from variable rates on credit. Loans with interest tied to …

High Court attorney and attorney Peter Wanyama has called on parliament to anticipate a mouth-watering legal duel in court to attempt to amend proposed legislation to address loopholes exploited by businesses and corporations. individuals to launder money or carry out suspicious transactions. Lawyers outside of parliament and House lawmakers in August once again failed to …

Some have more money than common sense, they say, so even companies with no income, no profit, and a record of failure can easily find investors. But as Peter Lynch put it in One Up on Wall Street, ‘Long shots hardly ever pay off.’ Contrary to all this, I prefer to spend time on companies …

Credit: CC0 Public Domain A new study written by Professor Jim Hawkins of the University of Houston Law Center and student Tiffany Penner and published in the Emory Law Journal indicates that the payday loan industry often targets black and Latino communities in advertising their products, while the mainstream banking industry targets white consumers. In …