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The Bureau specifically seeks comment on whether to apply a presumption of unaffordability or mandatory cooling-off period based on the total number of loans that a consumer has obtained or the total amount of time in which a consumer has been in debt during a specified period of time.
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The final rule broadens the category of transactions involving asset-backed securities that are not counted toward the 10,000 transaction threshold.In order to effectively and fully understand their current loan status and alert to consumers to a series of repeat attempts over a short period of time, the Bureau believes that it is also important for the consumer to know if the past payment attempt failed and the lender is attempting to re-initiate a returned transfer, payday loans on line.
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