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The Bureau also invites comment on whether there are other circumstances, other than the duration of a loan, that should affect how lenders account for volatility.

"We are getting lenders to reduce some of the credit overlays," he said in the exclusive interview.

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In particular, and in accordance with the recommendation of the Small Business Review Panel, the Bureau invites comments on ways of reducing the operational burden for small businesses of verifying consumers' payments under major financial obligations.


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In fact, tax-refund fraud is expected to hit $21 billion this year.

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