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We do not function as a lending service, meaning that it doesn

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Thus, the electronic fund transfer is initiated at the time that the lender or its agent sends the transfer to be processed by a third party, such as the lender's bank.

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When these features are combined with the high cost of the loans and, in some cases, a balloon payment structure or the ability to recover additional money through repossessing and selling borrowers' vehicles, there are lenders that operate, presumably at a profit, even when borrowers are defaulting on 50 percent of loan sequences.

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In exercise of these authorities, the Bureau's proposal would provide a partial and conditional exemption from parts of the proposed rule for certain covered loans.

Yes, specific policies and procedures are described in Policy 07-06-05, "Access To Employee Personnel Files.

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