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Based on its outreach, the Bureau believes that there are several consumer reporting agencies currently serving the lending markets covered by this proposed rule that are interested in becoming registered information systems and would be eligible to do so.
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In these cases, courses with a final status of CR may count towards that BR category for your with a final status of NCR will not count as degree credits and cannot be used to fulfill Program requirements nor meet prerequisites.
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In this case, the practice at issue causes or is likely to cause both—a substantial number of consumers suffer a high degree of harm, and a large number of consumers suffer a lower but still meaningful degree of harm.
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Even when not facing a crisis, research shows that consumers tend to underestimate their near-term expenditures, and, when estimating how much financial “slack” they will have in the future, discount even the expenditures they do expect to incur.
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