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The Bureau notes that the level of detail in the proposed record retention requirements is similar to the level of detail in the recordkeeping obligations in the small-dollar lending statutes and regulations of some States.

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Given that overdraft services and overdraft lines of credit involve complex overlays with rules regarding payment processing, deposit accounts, set-off rights, and other forms of depository account access, the Bureau believes that any discussion of whether additional regulatory protections are warranted for those two products should be reserved for that rulemaking, 24 7 payday loans in 39056.

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