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Although the bank itself may not be subject to the FDCPA, it may face reputational risk if the third party violates the FDCPA in collecting the bank's loans.
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If you have any questions on this notice, please do not hesitate to contact your Branch Officer or Customer Service at the number listed at the top of your Date on which the Mortgage or loan history for the previous six months or the period since the last time the mortgage or loan was current, whichever is shorter.
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Installment lenders can also legally exclude the premiums when calculating the loan's annual percentage rate, as long as the borrower can select the insurer or the insurance products are voluntary — loopholes in the Truth in Lending Act, the federal law that regulates how consumer-finance products are marketed.
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ZIP codes near Fremont
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