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The APR cannot increase by more than 1% each quarter over the previous quarter and cannot exceed 18%.
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Lenders using consumer reports as required under this proposal would be required to comply with the provisions of the FCRA and its implementing regulations applicable to users, including, for example, the requirement to provide a consumer a notice when taking adverse action with respect to the consumer that is based in whole or in part on information contained in a consumer collection15 U.
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