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And consumers who recognize at origination that they will have difficulty paying back the loan and that they may need to roll the loan over or reborrow may still underestimate the likelihood that they will wind up rolling over or reborrowing multiple times and the high cost of doing so.

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For similar reasons, the Bureau is not proposing to permit the use of predictive models designed to estimate a consumer's income or to validate the reasonableness of a consumer's statement of her income.

Fixed-rate financing with interest rate set at the Commercial Interest Reference Rate (CIRR).

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World trained its employees to think of themselves as a "financial adviser" to their clients, Buys said.

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