<?xml version="1.0" encoding="UTF-8"?><marc:collection xmlns:marc="http://www.loc.gov/MARC21/slim">
  <marc:record>
    <marc:leader>00000nam  2200000za 4500</marc:leader>
    <marc:controlfield tag="001">9.696212</marc:controlfield>
    <marc:controlfield tag="003">CaOODSP</marc:controlfield>
    <marc:controlfield tag="005">20220427101125</marc:controlfield>
    <marc:controlfield tag="007">cr |||||||||||</marc:controlfield>
    <marc:controlfield tag="008">150407|2012||||xxc|||||o    f|0| 0 eng d</marc:controlfield>
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      <marc:subfield code="a">978-1-100-20761-2</marc:subfield>
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      <marc:subfield code="a">CaOODSP</marc:subfield>
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      <marc:subfield code="a">n-cn---</marc:subfield>
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      <marc:subfield code="a">FC5-3/2012E-PDF</marc:subfield>
    </marc:datafield>
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      <marc:subfield code="a">Financial Consumer Agency of Canada.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="245" ind1="1" ind2="0">
      <marc:subfield code="a">Payday loans : </marc:subfield>
      <marc:subfield code="h">[electronic resource]</marc:subfield>
      <marc:subfield code="b">an expensive way to borrow </marc:subfield>
    </marc:datafield>
    <marc:datafield tag="260" ind1=" " ind2=" ">
      <marc:subfield code="a">Ottawa - Ontario : </marc:subfield>
      <marc:subfield code="b">Financial Consumer Agency of Canada </marc:subfield>
      <marc:subfield code="c">September 2012.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="300" ind1=" " ind2=" ">
      <marc:subfield code="a">12p.</marc:subfield>
      <marc:subfield code="b">figs.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="520" ind1="3" ind2=" ">
      <marc:subfield code="a">Explains payday loans, describes their costs, and compares these costs with other types of loans available to consumers.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="590" ind1=" " ind2=" ">
      <marc:subfield code="a">12-42</marc:subfield>
      <marc:subfield code="b">2012-10-19</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="690" ind1="0" ind2="7">
      <marc:subfield code="a">Consumer loans</marc:subfield>
      <marc:subfield code="2">gcpds</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="690" ind1="0" ind2="7">
      <marc:subfield code="a">Consumer protection</marc:subfield>
      <marc:subfield code="2">gcpds</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="775" ind1="0" ind2="8">
      <marc:subfield code="t">Prêts sur salaire : </marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.640335</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="776" ind1="0" ind2="#">
      <marc:subfield code="t">Payday loans : </marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.652549</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="795" ind1=" " ind2=" ">
      <marc:subfield code="t">The cost of payday loans </marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.689747</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="856" ind1="4" ind2="0">
      <marc:subfield code="a">http://publications.gc.ca</marc:subfield>
      <marc:subfield code="q">PDF</marc:subfield>
      <marc:subfield code="s">350 KB</marc:subfield>
      <marc:subfield code="u">https://publications.gc.ca/collections/collection_2012/acfc-fcac/FC5-3-2012-eng.pdf</marc:subfield>
    </marc:datafield>
  </marc:record>
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