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Lenders would also be required to obtain information and verification evidence about the amount and timing of an applicant's income and major financial obligations, obtain a statement from applicants of their income and payments on major financial obligations, and assess that information, along with an estimate of the borrower's basic living expenses, to determine whether a consumer has the ability to repay the loan.
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Cash Advance Payday Loan
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However, the main drawback is that investors cannot select particular loans or groups of loans, or have input or much visibility into the selection or underwriting process.
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