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In this process, lenders can choose to fund not the whole but some part of the loan.
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For these reasons, the Bureau believes that lenders may take unreasonable advantage of consumers' lack of understanding of these risks and costs, and of consumers' inability to protect their interests, when they make covered longer-term loans without making any reasonable determination that the consumer will have the ability to make the payments under the loan.
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As a result, the late payments would not be reported.
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