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Any obligation it might have to its account holders is secondary.
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If a tenant is 7 days overdue in rent payments, the lessor/agent can serve a Notice to remedy breach (Form 11).
A 14-day, $200 loan with interest and fees of $30 charged is an example of a loan with a 390% APR.
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The others you pointed out are tiny portions compared to these two.
The impacts of the PAL approach and the Portfolio approach are then discussed; those impacts are primarily discussed relative to the impacts of the ATR approach.
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