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In a title loan transaction, the borrower must provide identification and usually the title to the vehicle as evidence that the borrower owns the vehicle “free and clear.

 The Bureau is also aware of lender self-reported evidence from Colorado State reports that lenders imposed their own cooling-off periods on borrowers who took an off-ramp as a way to dissuade borrowers from using the off-ramp mandated by Colorado State law.

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For that matter, its worth noting that Southwest Airlines still has no change fees.

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The cost of going to college has outpaced the rise in wages by a staggering amount over the last decade.