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As a result of this presumption, it would not be reasonable for a lender to determine that the consumer will have the ability to repay the new covered longer-term loan without taking into account the fact that the consumer did need to reborrow after obtaining a prior loan and making a reasonable determination that the consumer will be able to repay the new covered longer-term loan without reborrowing.
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The Small Business Review Panel Report recommended that the Bureau solicit comment on additional options for alternative requirements for making covered longer-term loans without satisfying the proposed ability-to-repay requirements.
Second, proposed § 1041.
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From 2004 to 2011, the national share of these loans hovered between 3 and 4 percent, but by 2017, it had declined to just 2.
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