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The Bureau requests comment on all aspects of the appropriateness of the proposed approach.
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In particular, the Bureau seeks comment on whether the proposed approach is an appropriate and effective way to prevent consumer harms from the aggressive payment practices described above, 3 month payday loans in 19963.
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This should make unsuccessful payment withdrawal attempts less frequent, and lessen the impacts of the limitation on payment withdrawal attempts and the requirement to notify consumers when a lender would no longer be permitted to attempt to withdraw payments from a borrower's account.
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Online payday loans 7 days a week the underwriting requirements under the ATR approach and the restrictions on certain reborrowing under both the ATR approach and Alternative approach would impact lenders' loan volume in a way that the Bureau believes would likely be more substantial to their operations than the cost of implementing the procedural requirements discussed above.
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