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i identifies two ways that a lender reasonably accounts for the possibility of volatility in a consumer's residual income or basic living expenses.
Joe Terranova actually said consumers are more confident now because they're anticipating tax cuts next year.
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Several consumers were contacted by people claiming that they were collecting a debt owed to Cash Advance America, Advance America, or Speedy Cash.
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A consumer is unlikely to be aware of the types and severity of such harms at the time the consumer accepts offered loan terms.
(This may not make sense at the moment, but stay tuned for a future post for an example of exactly how this works.
- This suggests that perhaps other factors were working to restrain bank lending.
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