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The contrast of the extremely high likelihood that a consumer will wind up in a long-term debt cycle after taking out only a few loans with the near negligible impact of a disclosure on consumer reborrowing patterns provides further evidence of the insufficiency of disclosures to address what the Bureau believes are the core harms to consumers in this credit market.
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The Bureau also seeks comment on whether it should require lenders to use free-to-end-user text messages if text messaging is provided as an option and selected by consumers.
An Overland Park-based online payday lending operation accused of deceiving borrowers by charging inflated fees has agreed to pay federal regulators $21 million, the largest such settlement ever.
For those who do not generally focus on the Speech skill tree, it is still possible to invest in merchants through judicious use of the Black Book Waking DreamsDB, which allows you to reset a skill perk tree for the price of one dragon soul.