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Yes, a card and PIN number are needed. Overdrive is the private company that provides the eBook (and other) services to many Public Libraries in the US, Canada, and many other countries.
My Public Library, Seattle, will allow visitors from anywhere to sign up for a short term library account at a reasonable cost. But, you have to visit the library in person. And it allows residents of Washington State to buy into the Seattle system for $US85 per year. But, no general non-resident services exists for the Seattle Public Library.
We need an eBook rental service like NetFlix or BlockBuster for videos. I don't want to own most eBooks. And the current DRM and lack of lending or reselling rights just reinforces this.
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