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These policies evince a determination by policymakers that such determinations are necessary because the consumer injury from such practices persists in the absence of regulatory intervention, and that such practices do not provide benefits to consumers that outweigh the harm they cause.
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For closed-end loans, a lender is permitted to obtain a leveraged payment mechanism more than 72 hours after the consumer has received the entirety of the loan proceeds without the loan becoming a covered loan.
These loans are usually approved for amounts ranging from one particular hundred to one particular thousand dollars.
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