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The alternative financial services sector is a highly fragmented one, serving some 30% of American households, spread across the entire country. Nonprime consumers are not well understood, particularly by the media, which often characterizes them as unsophisticated, unintelligent, and incapable of understanding alternative financial service products. Nothing could be further from the truth, as my own experience with these consumers, and dozens of studies on the subject, have proven that they know exactly what they are doing, and understand the terms of the contracts presented to them.

Regional Management (RM) is one of the mid-sized players in the market, with a 26-year history, and 264 storefronts across 8 states. Regional Management is one of the last true...

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