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” Recently, some economists have begun to discuss the costs and benefits of maintaining extremely low short-term interest rates for an extended period.
The Bureau notes that, depending on how a lender treats a missed payment, an amount past due may be reflected in an update to the amount due on a future payment date; for example, if the lender agrees to defer the consumer's obligation to make the payment until the next payment date.
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Despite these statements, borrowers have always been eligible to make reasonable and affordable payments.
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Inapplicability of conditional exemption to an open-end loan.
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