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In conjunction with the release of this notice, the Bureau is making available a report prepared by FMG on the consumer testing (“FMG Report”).
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A lender-initiated debit or withdrawal includes a debit or withdrawal initiated by the lender's agent, such as a payment processor.
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Payday loans 4 u i find it funny that anyone would expect otherwise since that is exactly what a hard pull is supposed to document - a request for credit.
Things here should seem very familiar to you.