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In addition to the FTC's rulemakings under unfairness authority, certain Federal prudential regulators have prescribed rules prohibiting unfair practices under section 18(f) of the FTC Act and, in doing so, they applied the statutory elements consistent with the standards articulated by the FTC.
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A consumer is presumed not to have the ability to repay a covered longer-term loan under § 1041.
About a third fail by year three and roughly half by year five.
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