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Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period.

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For example, although the proposal would require that lenders furnish information only about loans consummated on or after the furnishing obligation takes effect, the Bureau has considered whether it should also require lenders to furnish information concerning loans that are outstanding loans at the time the furnishing obligation takes effect and that satisfy the definition of a covered loan under the rule.