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; Defining Larger Participants of the Consumer Reporting Market, 77 FR 42873 (July 20, 2012).
The specific provision for an account-holding institution thus would apply when such a lender elects to initiate a payment transfer that results in the collection of either no funds or a partial payment.
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The proposals could also increase the cost of credit to the extent that lenders pass through the procedural costs from complying with the proposed rule.
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