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After all there are other things wrong with the system like speculation, money laundering, the Libor exchange rate — not just bank lending.
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Similar to the concept explained in proposed comment 14(a)(i)-1, proposed comment 14(a)(ii)-1 explains that a signature check is sent out of the lender's control and that the check thus is processed at the time that the lender or its agent sends the check to be processed by a third party, such as the lender's bank.
The Fair Isaac Corporation publishes these scores, which is why they