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Both sites look at potential borrowers' credit histories and other factors and assign them risk scores, which are then used to decide the interest rate of the loan.


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This principle can be used for setting your own rules.

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The timeframe for the consideration of benefits and costs includes the initial transitional period during which lenders would develop the capacity to comply with the proposed regulation and the market would adjust to the new requirements and limitations of the proposal, as well as the steady-state that would be reached once those adjustments had occurred.