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After I paid off my loan, I over paid.
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The Bureau believes that this broad definition of prepayment penalty is necessary to capture all situations in which a lender may attempt to penalize a consumer for repaying a loan more quickly than a lender would prefer.
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Credit Card Advice at Balance transfers, using credit card for overdraft protection, or buying online gambling chips (assuming your credit card company allows the transaction at all) are other ways that can accidentally trigger a cash advance.
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Banks also started to bundle mortgages into "mortgage-backed securities" (MBS) for resale to investors.
Identification, to the Extent Practicable, of All Relevant Federal Rules Which May Duplicate, Overlap, or Conflict With the Proposed Rule
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Although rates as low as these would make payday loans far more popular, it is doubtful that the companies would be able to stay afloat on such a small amount of profit per customer.