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It would define payment under the covered longer-term loan broadly to mean the combined dollar amount payable by the consumer in connection with the covered loan at a particular time following consummation.
Proposed comment 11(d)-1 clarifies that proposed § 1041.
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A RAC is a bank deposit, not a loan, and is limited to the size of your refund less applicable fees.
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borrowers get something similar to a grace period every time an in-school period ends.
A lender would be able to overcome the presumption of unaffordability for a new covered longer-term loan only if it could document a sufficient improvement in the consumer's financial capacity.
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