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So even if you never hit "submit," but fill out the application and then change your mind about applying for the loan, your information may be captured through keystroke logging, and sold or used for dishonest purposes, the FTC says.
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If the payment transfer date is not a date on which a regularly scheduled payment is due under the terms of the loan agreement, a statement that the transfer will be initiated on a date other than the date of a regularly scheduled payment.