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Furthermore, consistent with the Small Business Review Panel recommendation, the Bureau seeks comment on ways to streamline information in the proposed notice and on methods of delivering the notice in a way that would reduce the burden on small lenders.
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Although private network rules may improve lender practices in some respects, they have gaps and limited consequences—there is no systematic way to monitor lender payment practices in the current ACH system, or more broadly for practices across all payment channels.
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