![]() ![]() New Evidence on the Benefits and Costs to Consumers of Access to Payday and Other Covered Short-Term and Longer-Term Balloon-Payment Loans Benefits to Consumers and Access to Credit Effect on Loan Volumes and Revenue From Eliminating Underwriting Requirements and Restrictions on Certain Reborrowing Operational Requirements-Principal Step-Down Approach Revocation of the Operational Requirements Associated With Mandatory Underwriting Potential Benefits and Costs of the Proposal to Consumers and Covered Persons-Provisions Relating Specifically to Ability-To-Repay Determinations for Covered Short-Term and Longer-Term Balloon-Payment Loans Major Provisions and Coverage of the Proposed Rule Dodd-Frank Act Section 1022(b)(2) Analysis 12(b)(5) Electronic Records in Tabular Format Regarding Payment Practices for Covered Loans.12(b)(3) Electronic Records in Tabular Format Regarding Type, Terms, and Performance for Covered Short-Term or Covered Longer-Term Balloon-Payment Loans.12(b)(2) Electronic Records in Tabular Format Regarding Origination Calculations and Determinations for a Covered Short-Term or Covered Longer-Term Balloon-Payment Loan Under § 1041.5.12(b)(1) Retention of Loan Agreement and Documentation Obtained in Connection With Originating a Covered Short-Term or Covered Longer-Term Balloon-Payment Loan.Section 1041.12 Compliance Program and Record Retention. ![]() ![]() Section 1041.11 Registered Information Systems.Section 1041.10 Information Furnishing Requirements.Subpart D-Information Furnishing, Recordkeeping, Anti-Evasion, and Severability.Section 1041.6 Conditional Exemption for Certain Covered Short-Term Loans.Section 1041.5 Ability-to-Repay Determination Required.Section 1041.4 Identification of Unfair and Abusive Practice.Section 1041.3 Scope of Coverage Exclusions Exemptions.Lack of Understanding of Material Risks, Costs, or Conditions Effect of Undervaluing Countervailing Benefits Reconsideration of the Dependence of the Unfairness Identification on the Principal Step-Down Exemption Countervailing Benefits to Consumers and to Competition The Legal Findings Under Section 1031 of the Dodd-Frank Act Other Evidence Pertaining to Inability To Protect The Pew Study and the Finding Based on It Other Evidence on the Consumer Understanding of Risk The Mann Study and the Findings Based on It Reconsidering the Evidence for the Factual Findings in Light of the Impacts of the Mandatory Underwriting Provisions Overview of the Factual Predicates and Legal Conclusions Underlying the Mandatory Underwriting Provisions of the 2017 Final Rule Explanation of the Bases for This Proposal To Rescind the Mandatory Underwriting Provisions of the 2017 Final Rule The Estimated Impacts of the Mandatory Underwriting Provisions of the 2017 Final Rule The Mandatory Underwriting Provisions of the 2017 Final Rule The Market for Short-Term and Balloon-Payment Loans This repetition of headings to form internal navigation links Headings within the legal text of Federal Register documents. This table of contents is a navigational tool, processed from the Provide legal notice to the public or judicial notice to the courts. Rendition of the daily Federal Register on does not Until the ACFR grants it official status, the XML Legal research should verify their results against an official edition of The official SGML-based PDF version on, those relying on it for The material on is accurately displayed, consistent with While every effort has been made to ensure that Regulatory information on with the objective ofĮstablishing the XML-based Federal Register as an ACFR-sanctioned The OFR/GPO partnership is committed to presenting accurate and reliable Register (ACFR) issues a regulation granting it official legal status.įor complete information about, and access to, our official publications Informational resource until the Administrative Committee of the Federal This prototype edition of theĭaily Federal Register on will remain an unofficial Each document posted on the site includes a link to theĬorresponding official PDF file on. The documents posted on this site are XML renditions of published Federal Register, and does not replace the official print version or the official It is not an official legal edition of the Federal This site displays a prototype of a “Web 2.0” version of the dailyįederal Register.
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