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NACHA Rules also require the ACH files  for the two additional attempts to be labeled as “reinitiated” transactions.

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NZBA chief executive Karen Scott-Howman said banks were working to re-open their branches in affected areas.

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(Proposed § 1041.

Some lenders, however, such as some community banks, take a vehicle security interest for loans that are much lower cost and have much lower rates of default, and these lenders do not normally exercise their security interest in the case of default.

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