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To make a reasonable determination required under paragraph of this section, a lender must obtain the consumer's written statement in accordance with paragraph (c)(i), obtain verification evidence as required by paragraph (c)(ii), and make a reasonable projection of the amount and timing of a consumer's net income and payments for major financial obligations.

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The Bureau has addressed comparable concerns about concurrent outstanding loans in the context of covered short-term loans made under proposed §§ 1041.

Stop payment fees are disclosed in the Special Handling Fees disclosure, 24 7 payday loans.
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