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However, if a lender's determinations subject to proposed § 1041.

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In particular, the Bureau is concerned about the harmful impacts on consumers of the practice of making these loans without making a reasonable determination that the consumer can afford to repay the loan while paying for major financial obligations and basic living expenses.

Even if you fall within the 28%/36% guidelines, make sure you

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 See proposed §§ 1041.
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In addition, deposits at after hour depositories are subject to amount verification.