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The Bureau believes consumers are especially likely to make such an assumption because of the challenges the consumers would face if they were to attempt to assess their own ability to repay instead of assuming that the lender has done so.
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Its fairly normal for those who rely on their monthly wages to experience some kind of monetary trouble each and every now and then.
The Bureau notes that some lenders in States where a private third-party operates reporting systems on behalf of State regulators are already required to provide similar information, albeit to a single reporting entity, and so have experience complying with this type of requirement.
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