*11,000 check-cashing outlets nationally process more than 180 million checks worth roughly $60 billion each year; *Payday lending grew nationally from 300 stores in 1994 to more than 8,000 in 1999; *12,000 to 14,000 pawnshops operate nationwide outnumbering credit unions and banks; *Between 1993 and 1998, subprime loans grew from $20 billion to $150 billion; subprime refinancing grew from 80,000 to 790,000 loans over the same period, according to the U.S. Department of Housing and Urban Development. Source: Fannie Mae Foundation

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