Citing potential adverse effects on the cost and availability of credit to small business owners, the Federal Reserve concluded in a recent report to Congress that imposing stricter regulations on small business credit cards would do more harm than good.

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Critics point out that these side effects will lead to reduced credit availability or increased cost of credit overall, in a healthy global economy.

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While the studies may be disparate in nature, we do see a common thread in all of them: that the issue may not really be piracy, but the effects modern technology has had on buying habits- habits based on immediate availability as opposed to an economic model based on physical copies.

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