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Particularly given that ability-to-repay determinations would likely involve different levels of automation and analysis from lender to lender, the Bureau believes that providing an itemized framework listening the nature and format of records that must be retained would help to reduce regulatory uncertainty and to facilitate supervision by the Bureau and other regulators.
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In some very rare occasions we will become equity partners with a minority position in each startup in our incubator program which allows us be part of the future success yet leave the entrepreneur as the absolute majority stakeholder.
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