The city council in Victorville, Calif. has passed a 45-day moratorium on permits for payday lenders as it explores the risks the short-term loan businesses pose to the city's low-income population.

City officials want to be sure the businesses - as well as check-cashing and car title loan establishments - are not overly concentrated in certain sections of the city and therefore taking advantage of economically vulnerable communities, according to a report prepared by the city's legal officials.

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