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Instant cash loan $5000 for example, the potential for consumer substitution across different categories of covered products means that provisions relating to covered longer-term loans, to the extent they affect the cost or availability of those loans, may have implications for the effects of the provisions relating to covered short-term loans.
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A lender may initiate a payment transfer pursuant to this paragraph (c) solely to collect a late fee or returned item fee without obtaining the consumer's authorization for the specific date and amount of the payment transfer only if the consumer authorizes the lender to initiate such payment transfers.
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