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In addition to the evidence described above and in Markets Concerns—Longer-Term Loans, established public policy appears to support a finding that it is an unfair practice for lenders to make covered longer-term loans without making a reasonable determination that the consumer will have the ability to repay the loan.
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As used throughout this proposal, reborrowing and the reborrowing period include any rollovers or renewals of a loan, as well as new extensions of credit.