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After applying the funds to institutional charges, such as for tuition, fees, and campus-controlled room and board, the credit balance, if any, must be “refunded” to the student within 14 days.
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The Bureau believes, however, that such comparisons will provide important evidence that, considered along with other evidence, would facilitate evaluation of whether a lender's ability-to-repay determinations are reasonable.
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in International Affairs from the George Washington University.
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EEMs have been used for new construction; lenders are now pushing them for existing homes.
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Prior to making a covered short-term loan under this section, the lender must review the consumer's borrowing history in the records of the lender, the records of the lender's affiliates, and a consumer report from an information system currently registered pursuant to § 1041.