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A lender could not make a covered loan to a borrower without making a reasonable determination that the borrower could repay the loan while still meeting major financial obligations and paying basic living expenses.
As a result of the first, the money began to flow; over the last 30 years, inflation-adjusted federal financial aid has quadrupled.
Its sort of the inverse of applying for a bank loan: You have to prove you have good credit and are financially stable enough that you dont need the loan .
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For the most part, however, lenders currently making loans that would be covered under the proposal do not furnish to consumer reporting agencies, either at all or consistently, information concerning loans that would be covered short-term loans or concerning a large portion of loans that would be covered longer-term loans, so that a lender's access to information about a consumer's borrowing history with other lenders is limited.
Stores that sell payday loans cannot sell small consumer loans.
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