Moral commentary aside, there is always the risk for AACE and its competitors of state or federal regulation that will limit or reduce the profit it makes from its current menu of services. Regardless of whether or not you see it as preying on lower-income neighborhoods, or providing essential financial services for individuals who have no other options, there are plenty of legislators who view it as taking advantage of the lower class, and as an investor, that would concern me.carthage
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