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- It does not constitute a quotation or offer of finance by Westpac.
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Based on its experience from supervising payday lenders, the Bureau believes that store employees are generally incentivized to maximize a store's loan volume and understand that reborrowing is crucial to achieving that goal.
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The presumption would not apply in certain circumstances where the consumer has made substantial payments on the prior loan, as discussed in connection with § 1041.
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