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The proposed rule identifies circumstances in which a presumption of unaffordability would be triggered, thereby limiting lenders' ability to make a covered short-term loan with similar payments to a consumer within 30 days of the consumer having a covered short-term loan or covered longer-term balloon-payment loan outstanding.
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From 2004 to 2011, the national share of these loans hovered between 3 and 4 percent, but by 2017, it had declined to just 2.
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