1. Summary of Arguments
2. Texas Sunset Commission Conducted a Review of Short-Term Borrowing Regulations
3. Texas Credit Access Businesses are Heavily Regulated at Federal and State Levels
4. Short-Term Borrowers Value Our Services
5. Helping Consumers Through The Pandemic
6. Overwhelming Demand for Credit in Texas
7. Regulating Short-Term Lenders Out of Business Hurts Texans
8. Activists Want to Eliminate Billions in Credit Without a Reasonable Alternative
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