A payday loan (also called a payday advance) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday".[1][2][3] The loans are also sometimes referred to as "cash advances", though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries and, within the USA, between different states. To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. For a $15 charge on a $100 2-week payday loan, the annual percentage rate is 3686%[4]; the usefulness of an annual rate (such as an APR) has been debated because APRs are designed to enable consumers to compare the cost of long-term credit and may not be meaningful in cases where the loan will be outstanding for only a few weeks. Nevertheless, careful scrutiny of the particular measure of loan cost quoted is necessary to make meaningful comparisons.[citation needed] In practice, consumers do not find value in either APR or EAR, but rely on the flat pricing signal in dollars and cents when determining whether or not to use a payday loan.[5] Payday loans carry substantial risk to the lender; they have a net default rate of 6%,[6] and according to one study, defaults cost payday lenders around a quarter of their annual revenue.[7]
May 2, 2013: Family and supporters of 18-year-old Abdella Ahmad Tounisi, including his father, Ahmad Tounisi, left, leave federal court in Chicago.APCHICAGO Federal prosecutors in Chicago plan to appeal a judge's surprise decision to release an Illinois teenager charged with seeking to travel abroad and join an Al Qaeda-linked militant group in Syria.The U.S. Attorney's Office announced their plan to appeal Thursday afternoon in the case of 18-year-old Abdella Ahmad Tounisi. Hours earlier, the judge said Tounisi could be released under home confinement.Judge Daniel Martin stayed his own order for 24 hours to give prosecutors a chance to appeal. That means Tounisi wasn't immediately released.Tounisi, an Aurora resident, was arrested at O'Hare International Airport last month as he allegedly prepared for the first leg of a trip to join Qaida-affiliated Jabhat al-Nusrah, which is fighting Syrian President Bashar Assad's regime.In arguing for continued detention, prosecutors also noted Thursday that Tounisi had allegedly spoken with a friend of his last year about bombing targets in Chicago. Tounisi is not charged in that case, though the friend, Adel Daoud, was and is in jail awaiting trial.After announcing his ruling, the otherwise soft-spoken U.S. magistrate judge leaned forward on his bench Thursday and raised his voice, telling the teenager he should take the allegations seriously."This is no game, Mr. Tounisi. OK?" Judge Martin told hi
adition request arrested Omara on March 31, 2011. He challenged his extradition to the U.S. but was flown back to Iowa on Thursday after Israel's Supreme Court rejected his final appeal in March, Deegan said.The appearance comes as a coalition of affected immigrants, church leaders, attorneys and other advocates planned to gather outside the same courthouse next week to mark the five-year anniversary of the raid, which was widely condemned as inhumane and a travesty of justice.The arrested immigrants were bused to the National Cattle Congress in Waterloo for hearings in makeshift courtrooms. Most of them pleaded guilty to identity theft charges, spent five months in prison and were then deported. The raid devastated Postville, a city of about 2,000 people in northeast Iowa, and tore apart dozens, if not hundreds, of families.Prosecutors say Amara managed the second shift on the poultry side of the plant, exercising "substantial control" over production and working as a lieutenant of Agriprocessors vice president Sholom Rubashkin, whose family owned the company.Prosecutors say Amara knowingly employed immigrants who were not in the country legally but helped keep them off the books by putting them on the payroll of a separate company. They say he allowed employees to obtain and use Social Security and green cards that he knew were false.In addition to Amara, the indictment charged Rubashkin and former plant managers Brent Beebe and Zee
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