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Banks have waived ATM charges on all transactions after a request by the government2.
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- The Fed used a dual-track response to the recession and financial crisis.
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For the most part, however, lenders currently making loans that would be covered under the proposal do not furnish to consumer reporting agencies, either at all or consistently, information concerning loans that would be covered short-term loans or concerning a large portion of loans that would be covered longer-term loans, so that a lender's access to information about a consumer's borrowing history with other lenders is limited.