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TUCKER continued to operate his lending business from a corporate headquarters in Kansas, and TUCKER continued to reap the profits of the payday lending businesses, which generated over $3.5 billion in revenue from just 2008 to June 2013 in substantial part by charging struggling borrowers high interest rates expressly forbidden by state laws. Justice Stephen Breyer wrote in an opinion for the court that the FTC does not have the power to seek restitution through federal courts in cases where consumers have been ripped off. 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