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In developing this three-step approach, the Bureau is endeavoring to ensure that the precise terms of the additional transfers for which a lender seeks authorization are effectively communicated to the consumer during each step of the process and that the consumer has the ability to decline authorizing any payment transfers with terms that the consumer believes are likely to cause challenges in managing her account, apply for payday loan online in Louisiana.
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Even with respect to purely voluntary deductions, most consumers are unlikely to be able to reduce or eliminate such deductions, between consummation of a loan and the time when payments under the loan would fall due.
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In particular, the Bureau solicits comment on whether a pattern of refinancing that significantly extends the initial term of the loan warrants application of a presumption of unaffordability and, if so, at what point that presumption would be warranted; whether refinancing early in the repayment schedule of the loan would evidence unaffordability of the outstanding loan and, if so, up until what point in the life of the loan; and whether other performance indicators should be included in the circumstances triggering application of a presumption of unaffordability.
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24 July 2015
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12 December 2015
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ZIP codes near Sulphur
- 70065, 71463, 71291, 71118, 70818, 70380, 70760, 70380, 71220, 71291, 70360, 70433, 70363, 70791, 71082, 70433, 71112, 70422, 70816, 70346