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It also serves to recognize the excellence and exceptional achievements of organizations.
The contrast of the very 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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But because so many borrowers respond to the unaffordability of these loans by reborrowing in sequences of loans rather than by defaulting immediately, a more meaningful measure of default is the share of loan sequences that end in default.
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Related Book: 80/20 Sales and MarketingRelated: Quit Working Pointlessly Hard and Just Get More Done Consolidating all your debts into one loan might appear to make life easier but there may be better ways to pay off debts.
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