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Derivatives were unregulated: Derivatives had become a uniquely unregulated financial instrument.

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A Wonga spokesman said: 'Yes, the transmission fee is included when calculating APR.

For small entities that order reports manually, the Bureau estimates that it would take approximately two minutes for a lender to request a report.

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Although the use of the model forms and clauses is not required, lenders using them will be deemed to be in compliance with the disclosure requirement with respect to such model forms.

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A credit union works more like a bank.

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