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The features that make this possible include the ability to withdraw payments directly from borrowers' deposit account or source of income, and the leverage that comes from the ability to repossess the borrower's means of transportation to work and other activities.

  • Last but not least, an applicant
  • The owner will often have to personally guarantee the loan and may have to provide additional collateral.
  • Other key features of federal loans are that they require no cosigner and are easy to apply for.
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Disclosures required by this paragraph (e) must be clear and conspicuous.

(ii) A covered short-term is the second loan in the sequence if the consumer has a currently outstanding covered short-term loan, or if the consummation date of the second loan is within 30 days following the last day on which the consumer's first loan in the sequence was outstanding;


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Young Endowed Chair and Professor of Urban Affairs at Wayne State University.