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The Bureau also solicits comment on whether, if it were to require such additional furnishing, it should delay the effective date of such a requirement to permit lenders, many of whom would be furnishing information to a consumer reporting agency for the first time pursuant to the proposed rule, additional time to adjust to the requirement to furnish information as proposed.
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The borrower can apply for a loan, is assessed by a lender and receives a lump sum which is then paid back in weekly or monthly instalments.