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In particular, the Bureau solicits comment on other methods of supplementing the basic ability-to-repay determination required for a covered longer-term loan shortly following a covered short-term loan or covered longer-term balloon-payment loan.
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The restrictions on lending included in the proposal would reduce the availability of storefront payday loans, online payday loans, and single-payment vehicle title loans.
In addition to the alternatives discussed, the Bureau tested draft disclosure forms in preparing for the rulemaking.
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The loan takes only as long as the administrator needs to process it.
The Bureau also seeks comment on existing record retention practices among lenders that are subject to reporting requirements at the State, local, or tribal level.
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