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Indeed, Congress has recognized that such authorizations can give lenders a special kind of leverage over borrowers, for instance by prohibiting in the Electronic Fund Transfer Act the conditioning of credit on the consumer granting authorizations for a series of recurring electronic transfers over time.
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Kim Cook is executive director of the National College Access Network, which supports nonprofit organizations and schools across the country in their efforts to help more underrepresented and low-income students enter and complete postsecondary education.
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