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In evaluating the proposal, the Bureau became concerned that a payment-to-income ratio higher than 5 percent might be needed to provide sufficient flexibility to accommodate existing lending programs at many community banks and credit unions.
Online cash loans in kenya the Bureau solicits comment on the appropriateness of the proposed presumption to prevent the unfair and abusive practice and on any alternatives that would adequately prevent consumer harm while reducing the burden on lenders.
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Most banks and finance companies use a combination of rules and custom credit scoring.
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