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The Bureau is proposing both requirements pursuant to authority to prevent unfair or abusive acts or practices under Section 1031 of the Dodd-Frank Act and for the reasons discussed below.
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The Bureau solicits comment on all aspects of the proposed requirements for estimating basic living expenses, including the methods identified as reasonable or unreasonable, whether additional methods should be specified, or whether the Bureau should provide either a more prescriptive method for estimating basic living expenses or a safe harbor methodology (and, if so, what that methodology should be).
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