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We'd encourage people to use internet and mobile banking, if possible, to make payments.

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They advocate limiting rollovers and cooling-off periods and the research does point out that in states where rollovers are limited, payday lenders have gotten around them by paying the loan off by refinancing.

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In this part VI, the practice of making loans after determining that the borrower has the ability to repay the loan will be referred to as the “ATR approach,” while the practice of making loans by complying with the alternative requirements under proposed § 1041.

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