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As noted above, the Bureau believes that most covered longer-term loans would be originated under the ATR approach, as many current loan products that would be covered longer-term loans would not readily qualify for either the Portfolio or PAL approach.
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The Bureau believes, however, that such an expansion of the conditional exemption could undermine the core consumer protection purpose of the Bureau's proposal.
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This concession is for qualified children, students, low-income earners, pensioners, seniors, and veterans.
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