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Service and funds availability depends on certain factors including the service selected, the selection of delayed delivery options, special terms applicable to each service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours and differences in time zones (collectively, "Restrictions").

First, the creditor may not impose a military annual percentage rate  (MAPR) greater than 36 percent in connection with an extension of consumer credit to a covered borrower.

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But too often, that sense of imperative runs up against painstakingly slow processes for mobilizing conservation resources—even as private developers move at lightening speed.