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At the same time, particularly given that most of the items listed would be provided initially to the lender by the consumer or a third party in a variety of formats, the Bureau believes that it is important to provide lenders with flexibility as to the form in which they retain the material.
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And, many States impose caps on the costs of credit that would limit, at least partially, the ability of lenders to pass through cost increases to consumers.
The Bureau believes that the burdens associated with the proposed furnishing obligation would be justified by the need to ensure that lenders making loans pursuant to proposed §§ 1041.
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ZIP codes near Alpena
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