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Furthermore, consistent with the Small Business Review Panel recommendation, the Bureau seeks comment on ways to streamline information in the proposed notice and on methods of delivering the notice in a way that would reduce the burden on small lenders.

The truth is that nobody knows what will happen with interest rates in the future, not even the Reserve Bank.

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The proposed comment also clarifies that the presumption would not apply if the loan is subject to the prohibition in proposed § 1041.

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