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To effectuate this test, the Bureau would need to define, in ways that lenders could implement, what would be a qualifying “unusual and non-recurring expense,” a means of assessing whether a new loan was attributable to such an expense rather than to the unaffordability of the prior loan, and standards for how such an unusual and non-recurring expense could be documented (e, installment loans in 66502.
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I did find a few tiny mistakes, but they didn't take away from the read itself.
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nonprime101, Measure of Reduced Form Relationship between the Payment-Income Ratio and the Default Probability, at 6 , This analysis defines sequences based on the pay frequency of the borrower, so some loans that would be considered part of the same sequence using a 30-day definition are not considered part of the same sequence in this analysis.
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