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In particular, the Bureau seeks comment on whether the provisions appropriately address situations in which lenders that are the consumers' account-holding institutions initiate payment transfers that result in nonpayment or partial payment, or whether additional provisions may be appropriate, and, if so, what types of provisions.

If the business fails, then there is no way for the bank or lender to recoup their money.

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Lenders may modify a loan to make it possible for a borrower to satisfy the ATR requirement by extending the term or making a smaller loan.

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