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The section-by-section analyses of proposed §§ 1041.
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Has the right to initiate a transfer of money, through any means, from a consumer's account to satisfy an obligation on a loan, except that the lender or service provider does not obtain a leveraged payment mechanism by initiating a one-time electronic fund transfer immediately after the consumer authorizes the transfer;
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Under these circumstances, a lender cannot make a covered short-term loan under § 1041.