WASHINGTON — The Consumer Financial Protection Bureau has yet to issue broad rules for payday lenders, but the bureau's $10 million settlement with ACE Cash Express Thursday sends another strong message about the practices it may target.

The settlement — the bureau's second action against a payday lender — alleges ACE Cash Express essentially used threats against delinquent borrowers to compel them to take out more loans. The payday lender, which is based in Irving, Texas, has agreed to pay $5 million in refunds to affected consumers, and a $5 million penalty for the violations, without admitting wrongdoing.

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