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The proposed rule identifies a set of circumstances in which a presumption of unaffordability would be triggered, thereby limiting lenders' ability to make a covered longer-term loan with similar payments to a consumer within 30 days of the consumer having a covered short-term loan or covered longer-term balloon-payment loan outstanding.
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Assume a lender makes a covered short-term loan for $400 with a 14-day contractual duration (Loan A) to a consumer and the lender is permitted by applicable State law to roll over covered short-term loans.
You owe it to yourself, your vision, your time, your family and the lender to do so.
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