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Note that the Bureau believes that the proposed requirement to assess ATR before making a covered loan or to comply with one of the conditional exemptions would reduce the frequency with which borrowers receive loans that they do not have the ability to repay.
Hybrid loans with automatic rollovers would fall within the category of “covered longer-term loans” under the proposed rule as discussed more fully below.
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(See section-by-section analysis of proposed § 1041.
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