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” Dodd-Frank Act section 1032 provides that such model form “shall contain a clear and conspicuous disclosure that, at a minimum—(A) uses plain language comprehensible to consumers; contains a clear format and design, such as an easily readable type font; and (C) succinctly explains the information that must be communicated to the consumer.
The Bureau's market outreach with finance companies and their trade associations indicates that at most, 20 to 25 percent of finance company loans—though a higher percentage of receivables—involved a non-purchase money security interest in a vehicle.
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Even when I call or email them, they either hang up on me or never get back to me when I follow up.