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The defendants are accused of generating bogus loan agreements to deceive banks and of withdrawing money from consumers accounts. In one 11-month period, Coppinger and Rowlands network made loans of about 28 million and took back more than 46. 5 million, according to the FTC. In an awkward twist, some of the ill-gotten gains reaped by online lenders have benefited schools, churches and other area philanthropic causes.

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