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Rather, as previously explained, the Bureau believes that it is reasonable to interpret “understanding” in this context to mean more than mere awareness that it is within the realm of possibility that a particular negative consequence may follow or cost may be incurred as a result of using the product.
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First, the creditor may not impose a military annual percentage rate (MAPR) greater than 36 percent in connection with an extension of consumer credit to a covered borrower.
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