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These established policies support a finding that it is unfair for a lender to make covered short-term loans without determining that the consumer has the ability to repay, and evince public policy that supports the Bureau's proposed imposition of the consumer protections in proposed part 1041.
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The No Interest Loan Scheme (NILS) will lend up to $1200* to low income earners, with low repayments from $20 per fortnight, for the purchase of essential electrical white goods, such as refrigerators, washing machines, or televisions.
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The IOU transfers to home sellers from the buyers account.
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