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In the Bureau's experience, current record retention practices vary widely across the industry depending on lender business practices, technology systems, State regulatory requirements, and other factors.
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The period of time between consummation of the new covered short-term loan and the first scheduled payment on that loan would be longer than the period of time between consummation of the new covered short-term loan and the next regularly scheduled payment on the outstanding loan; or
The conditions that would apply under § 1041.
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