See, for example, Sue Lott 
and Michael Grant, “Fringe Lending and Alternative Banking: the Consumer Experience,” Public Interest Advocacy Centre, November 2002;  John Lawford, “Pragmatic Solutions to Payday Lending: Regulating Fringe Lending and Alternative Banking,” Public Interest Advocacy Centre, November 2003;  Jerry Buckland and Martin Thibault, “The Rise of Fringe Financial Services in Winnipeg’s North End: Client Experiences, Firm Legitimacy and Community-Based Alternatives,” Institute of Urban Studies, Winnipeg, August 2003;  Iain Ramsay, “Access to Credit in the Alternative Consumer Credit Market,” paper prepared for the Office 
  ...[+++]of Consumer Affairs, Industry Canada and the Ministry of the Attorney General, British Columbia, February 2000.Voir, par exemple, Sue Lott 
et Michael Grant, « Fringe Lending and Alternative Banking: the Consumer Experience », Centre pour la défense de l’intérêt public, novembre 2002;  John Lawford, « Pragmatic Solutions to Payday Lending: Regulating Fringe Lending and Alternative Banking »,Centre pour la défense de l’intérêt public, novembre 2003;  Jerry Buckland et Martin Thibault, « The Rise of Fringe Financial Services in Winnipeg’s North End: Client Experiences, Firm Legitimacy and Community-Based Alternatives », Institute of Urban Studies, Winnipeg, août 2003;  Iain Ramsay, « Access to Credit in the Alternative Consumer Credit Market », docu
 ...[+++]ment produit pour le Bureau de la consommation, Industrie Canada et le ministère du Procureur général de la Colombie-Britannique, février 2000.