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One big problem is that we are renters and Im not sure that would be allowed.

Your payments will no longer be based on your income.

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Interested entities would submit to the Bureau an application for preliminary approval for registration, and then a full application for registration after receiving preliminary approval and obtaining certain written assessments from third parties concerning their compliance programs.

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"The peer-to-peer model offers some great new options for consumers," says Linda Sherry, director of national priorities for Consumer Action, a consumer education and advocacy nonprofit in San Francisco.