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And when payments exceed a consumer's ability to repay, the consumer is likely to suffer very substantial harms, as described above.
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Alternatively, a lender reasonably accounts for the possibility of volatility in consumer income by reasonably determining that a particular consumer is unlikely to experience such volatility notwithstanding the experience of otherwise similarly situated consumers during a similar period of time, such as if a consumer has stable employment and receives a salary and sick leave.
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the owner of this website is not a lender and does not make loans or credit decisions.
By focusing on the narrower category, the exemption would apply only to credit card accounts that are subject collectionPublic Law 111-24, 123 Stat.
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Analysis by the Bureau of similar disclosures implemented by the State of Texas, showing a reduction in loan volume of 13 percent, confirms the limited magnitude of the impacts from the field trial.
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