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The Bureau believes that, in the absence of an ability-to-repay determination under proposed §§ 1041.
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Unless it would be inconsistent to do so, words and phrases used in this document should be construed so that the singular includes the plural and the plural includes the singular.
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The result is a very high likelihood that a covered longer-term loan will prove to be unaffordable for the consumer who takes it, and thus result in potentially severe harms.
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