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Sexy naked girls ass But the FCA didn't take any enforcement action such as fining Wonga, since the activities took place before it had powers over Britain's £2 billion payday loan market. The Office of Fair Trading, which started investigating Wonga's debt collection practices in 2011, handed the case to the FCA in April and no longer exists.

Because of the small-dollar amounts extended and the relatively easy access -- no credit check is required -- payday loans are often marketed as fast cash to cover emergency expenses that arise before a borrower's next paycheck arrives, which is typically two weeks, Pew said.

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