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The impacts of these alternative approaches are primarily discussed relative to the impacts of the ATR approach.
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Given that the purpose of the unusual payment notice is to alert consumers that the payment has changed in a way that they might not expect, the Bureau believes that the APR information may distract consumers from the more important and time-sensitive message.
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Other than the greater reduction in the physical availability of covered short-term loans made through storefronts, the Bureau does not believe that consumers living in rural areas would experience substantially different effects of the proposed regulation than other consumers.
If the down payment does not cover all the depreciation or if you exceed the allowed mileage, you will settle those fees at the end of the lease, not the beginning.
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The Bureau is not proposing to extend coverage to several other types of loans and is specifically proposing to exclude, to the extent they would otherwise be covered under proposed § 1041.
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