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Lenders making covered short-term loans would be required to furnish information about those loans to all information systems that have been registered with the Bureau for 120 days or more, have been provisionally registered with the Bureau for 120 days or more, or have subsequently become registered after being provisionally registered (generally referred to here as registered information systems).
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If the dispute is not resolved and your credit report is not adjusted, you have the right to file a statement or explanation regarding the alleged debt with the credit report.
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However, the Bureau solicits comment on including an unusual and non-recurring expense as a third circumstance in which lenders could overcome the presumptions of unaffordability.
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You should also know the difference between secured and unsecured loans.
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