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Exploring the evolution of predatory lending, the book reveals that payday lenders, often seen as a modern phenomenon, have roots tracing back to the late 1800s. It contrasts the stereotypical image of loan sharks with the more sanitized branding of today's lenders, highlighting their persistence through various regulatory challenges and societal changes. The narrative delves into the landscape of urban lending, where colorful storefronts continue to attract financially desperate individuals, illustrating the ongoing issues of usury in contemporary society.