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In addition, loans made under this exemption could not have an interest rate more that is more than the interest rate that is permitted for Federal credit unions to charge under the PAL regulations and an application fee of more than $20.
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These requirements are intended to ensure that the terms of the payment transfers authorized by consumers are provided to them in a manner that permits them to review authorizations for consistency with their understanding of the terms and, when necessary, contact the lender to request clarification or discuss potential errors.
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Among other guidelines, the FDIC advised that.
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