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Under section 1031(d) of the Dodd-Frank Act, an act or practice is abusive if it takes unreasonable advantage of the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service.

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These documents will outline the amount of your loan, the payback schedule, and any interest and penalties you could face if you do not pay it back on time.

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Rather than a bank, this may be an investor, a private lending company or even a person of your acquaintance.