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NEW YORK—It’s increasingly clear that Americans are turning to alternative payment methods such buy now, pay later apps to make ends meet, a new study shows.

KOLOA, Kauai–Just hours after the CFPB announced its long-awaited proposal around junk fees it said are proliferating or threaten to proliferate related to transactions declined at the point of swipe, tap, or click–and just a week after its proposal to cut down overdraft fees--NCUA Chairman Todd Harper and NASCUS President and CEO Brian Knight shared their views on the question of what are “junk fees.”