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Specifically, it explains that a lender is restricted under the prohibition from initiating any further payment transfers from the consumer's account in connection with the covered loan, unless the requirements and conditions in either § 1041.
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The Bureau believes that to prevent the abusive and unfair practices that appear to be occurring in the market, it would be appropriate not only to require lenders to make a reasonable determination of a consumer's ability to repay before making a covered short term loan but also to specify minimum elements of a baseline methodology for evaluating consumers' individual financial situations, including their borrowing history.
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05 November 2015
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20 January 2016
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