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The Bureau seeks comment on all aspects of this subpart, including the intersection of the proposed interventions with existing State, tribal, and local laws and whether additional or alternative protections should be considered to address the core harms discussed below.
Using the Client Protection Principles as a framework, we have identified several consumer risks where deeper research, industry discussions, and consensus-building are needed.
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The California Deferred Deposit Transaction Law, which authorizes payday lending, only imposes licensing obligations and disclosure requirements for interest rates and loan terms.
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