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Re:Spotify Hit with $150M Class Action Over Unpaid Royalties by jkestner on Tuesday December 29, 2015 @05:25PM (#10809489)
Record labels also act as banks by providing advances.
Re:Spotify Hit with $150M Class Action Over Unpaid Royalties by sandstrom on Tuesday December 29, 2015 @05:28PM (#10809500)
At the rate of payday loans? :)

https://en.wikipedia.org/wiki/Payday_loan