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For these consumers, the current lender practice of making loans without regard to their ability to repay may enable them to obtain what amounts to a temporary “reprieve” from their current situation.

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In developing this proposal, Bureau staff met with dozens of lenders, nearly all of which stated they already use some method—though not necessarily the precise methods the Bureau is proposing—to verify consumers' income as a condition of making a covered longer-term loan, advance me today payday loan.
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