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Pay raise structure used to be easier and went up to $1.
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Of course, existing bondholders have seen significant capital appreciation over this period.
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Other lenders offer free mortgage pre-approval in order to gain your trust (and your business).
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In particular, during the SBREFA process and subsequent outreach, the Bureau learned that neither of the alternative sets of requirements included in the Small Business Review Panel Outline would capture a category of loans being made by community banks and credit unions as an accommodation to existing customers and that do not appear to present a risk of the type of consumer injury that is the focus of the Bureau's proposed requirement to determine ability to repay.