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As detailed further below, the Bureau is proposing to specify requirements as to the format in which certain records are retained.

Interest income – The income received for allowing a financial institution or another person to use your money.

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Please read all loan documents carefully, including information on repayment obligations and loan defaults (in case you miss any payments).

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Additionally, in States where it is permitted, lenders often offer borrowers the enticing, but ultimately costly, alternative of paying a smaller fee (such as 15 percent of the principal) and rolling over the loan or making back-to-back repayment and reborrowing transactions rather than repaying the loan in full—and many borrowers choose this option.