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The Bureau believes, however, that such comparisons will provide important evidence that, considered along with other evidence, would facilitate evaluation of whether a lender's ability-to-repay determinations are reasonable.
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Lenders making loans under one of the alternatives to the ATR requirements for covered longer-term loans would not be required to provide the payment notices, but would be affected to the extent they reach the limit on the number of attempts to withdraw payment from a borrower's account.
Instead, the lookback period would start at the proposed contractual due date of the final payment on the new loan and consider the full 12 months immediately preceding this date.
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These are many questions Ive had to answer myself over the years and as with any tax questions, people need all the help they can get.
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