The Obama administration on Tuesday finalized regulations cracking down on high-cost loans to members of the military, though they also included at least one significant concession to the financial industry.

The rules, which take effect Oct. 1, are meant to make it harder for lenders to get around an eight-year-old 36% interest rate cap on loans to active-duty service members. Under the earlier regulations, installment loans of 92 days or more and auto title loans of 182 days or more were exempt from the interest rate cap, and many high-cost lenders continued operating outside the gates of military bases across the nation.

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