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As discussed in connection with the Bureau's abusiveness analysis of covered short-term loans, the Bureau recognizes, of course, that in any transaction involving a consumer financial product or service there is likely to be some information asymmetry between the consumer and the financial institution.
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Not surprisingly, most borrowers find it necessary to reborrow when their loan comes due or shortly after repaying their loan, as other expenses come due.
Many checking accounts have overdraft protection, which is nothing more than a small line of credit.
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The Bureau solicits comment on whether to permit open-end loans to be made under this conditional exemption; whether lenders would choose to make open-end loans under this conditional exemption if permitted to do so; and what the benefit for consumers would be of permitting such loans and what additional conditions then may be appropriate for proposed § 1041.
Direct payday lenders 24 hours NACHA explicitly excludes scheduled payments from its reinitiation rule.
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ZIP codes near Independence
- 67052, 66106, 67205, 66205, 66061, 66436, 66441, 66071, 67207, 67207, 66901, 66203, 66071, 67005, 67735, 66049, 66762, 66604, 67226, 67205