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Financial businesses primarily engaged in the business of lending, such as banks, finance companies, payday lenders, some leasing companies and factors (pawn shops, although engaged in lending, may qualify in some circumstances)
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In addition, the Bureau particularly seeks comment on whether carrying over the threshold for the exception in proposed § 1041.
The loan origination fee is charged and taken off the top of the loan.
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Assume a lender makes a covered short-term loan (Loan X) to a consumer under § 1041.
A more common use in economics of the word "discount" is in the term discounted present value or DPV.
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The Bureau specifically seeks comment on both the compliance burden involved in requiring the information to be provided in tabular format and the potential benefits and risks to consumer understanding in using such a format.
02 October 2015
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