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The Bureau seeks comment on all aspects of the Bureau's approach to the effective date of the final rule, whether it should be simplified and whether the proposed time periods are appropriate, should be lengthened, or should be shortened.
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A lender may not exclude a portion of the payment simply because a consumer could avoid or delay paying a portion of the payment, such as by requesting forbearance for that portion or by cancelling a service provided in exchange for that portion.
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