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This fee can be waived if you accumulate $1,000 or more in direct deposits throughout the course of a month, have a balance of $1,500 or more, or hold a line of credit such as a credit card or auto loan with U.

In particular, the Bureau has given thought to the time necessary to implement the consumer reporting components of the proposal, in addition to the time that lender would need to adjust their underwriting practices and prepare to provide new consumer disclosures.

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