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As discussed in Market Concerns—Payments, the Bureau's research focusing on online lenders' attempts to collect covered loan payments through the ACH system indicates that, in the small fraction of cases in which a lender's third attempt succeeds—i.

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For similar reasons, the Bureau is not proposing to permit the use of predictive models designed to estimate a consumer's income or to validate the reasonableness of a consumer's statement of her income.

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By carrying out this survey, we hope to highlight the issues around payday borrowing and recommend that people who are thinking of taking out a payday loan should first check their entitlement to benefits/tax credits and eligibility for charitable grants.

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