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Furthermore, the proposed record retention requirements would support the external supervision of lenders for compliance with proposed part 1041, instant payday loans in 11581.
In addition, the Bureau solicits comment on whether additional requirements should apply to covered short-term loans that are lines of credit; for instance, whether a presumption of unaffordability should apply at the time of the ability-to-repay determination required under § 1041.
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Furthermore, a lender would have to retain records on the leveraged payment mechanism(s) it obtained from the consumer, whether the lender obtained vehicle security from the consumer, and the loan number in a loan sequence for a covered short-term loan made under either proposed § 1041.
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