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In particular, the Bureau seeks comment on whether the rule should include provisions permitting lenders to provide electronic requests for authorization via text message or mobile application, and on what specific requirements as to access and formatting may be appropriate for electronic requests, including whether it may be appropriate to adopt a two-part disclosure similar to what the Bureau is proposing for the payment withdrawal notices, payday loans near me in North Dakota.
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In either case, the borrower would typically pay a fee to her financial institution, and the median fee was $35.
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Section 603(d) of the RFA requires the Bureau to consult with small entities regarding the potential impact of the proposed rule on the cost of credit for small entities and related matters.
Amy Cantu, a spokeswoman for the Community Financial Services Association, the trade group representing the major payday lenders, said members are "regulated and licensed in every state where they conduct business and have worked with state regulators for more than two decades.
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