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The department also plans to establish a new complaint system allowing borrowers to have their concerns addressed.

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Several SERs whose companies make covered short-term loans expressed the view that, despite the reduction in burdens associated with the ability-to-repay requirements, the alternative requirements discussed in the Small Business Review Panel Outline would not provide for sufficient loan volume to sustain their profitability.

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The Bureau is proposing to require disclosures in § 1041.

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