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An individual desperately needs money but cannot get a loan through a bank. As a result, the individual requests a loan from someone who lends

An individual desperately needs money but cannot get a loan through a bank. As a result, the individual requests a loan from someone who lends money with a very high interest rate and additional fees daily. This lender is engaged in: a. syndicate. b. usury. c. phreaking. d. racketeering

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