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Days after the theft, the thief brought the artwork to Bednarsh’s pawnshop, where he purchased it.

“The CFPB’s rule jeopardizes access to overdraft services when hardworking Americans face unexpected expenses, leaving them with worse alternatives like payday loans and pawnshops.”

“Without having a rigorous, effective enforcement, nothing’s going to happen,” said Tony DeMarco, a pawnshop owner and president of the Whittier Boulevard Merchants Assn., which opposed the ordinance.

“I can’t believe someone would take it and I hope local pawnshops don’t buy them.”

Asset-secured cards are a better gateway to credit and low interest rates than options from a pawnshop or car title loan, which also require collateral.