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As an alternative to the proposed ability-to-repay requirements in proposed §§ 1041.
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To provide a structured process that accounts for the likelihood that the unaffordability of an existing or prior loan is driving reborrowing and that ensures a rigorous analysis of consumers' individual circumstances, the Bureau believes that the most appropriate approach may be a presumptions framework rather than an open-ended inquiry.
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Their primary objective is facilitating the process of affordable lending, and not merely extracting a profit from you.
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Take a picture of your receipt after purchasing the items and request a cash payment after earning at least $20.
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