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The Bureau believes that some of these institutions do originate loans that would be covered longer-term loans.
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Equally though in the event that a payment is not made as agreed then this may also appear on your credit file.
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Payday loan lenders online only the Bureau therefore believes that basing a determination of a consumer's ability to repay on such speculative projections would not be reasonable.
 Center for Responsible Lending, The State of Lending in America and its Impact on U.