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The Bureau is proposing that certain provisions necessary to implement the consumer reporting components of the proposal would become effective 60 days after publication of the final rule in the Federal Register to facilitate an orderly implementation process.
Furthermore, these proposed requirements would limit the harm to consumers in the event they are unable to repay the initial loan as scheduled.
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The Bureau also notes that these borrowers will generally be motivated to attempt to provide verification evidence needed to determine their ability to repay, in order to receive the loan.
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The disclosures may use commonly accepted abbreviations that would be readily understandable by the consumer.
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