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Interest rate reduction(s) will remain on the account unless the automatic deduction of payments is stopped (including times during deferment or forbearance) or there are three automatic deductions returned for insufficient funds within the life of the loan.
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The Bureau first notes that the practice of making loans without regard to the borrower's ability to repay stands in stark contrast to the practice of lenders in virtually every other credit market, and upends traditional notions of responsible lending enshrined in safety-and-soundness principles as well as in a number of laws.
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