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Some consumers turn to these products because they have experienced a sudden drop in income (“income shock”) or a large unexpected expense (“expense shock”).
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i have debt from getting credit cards and not knowing how to use them when i was 18.
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While immediate annuities provide an immediate cash flow, they generally pay out less total money than deferred annuities, which have more of an opportunity to grow.
The Bureau believes that a lender that makes several types of covered loans would have to develop and follow broader and more sophisticated written policies and procedures than a lender that makes only one type of covered loan.