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On October 23, 1996, the Office of Personnel Management (OPM) issued a memorandum to the Directors of Personnel (CPM 96-12) concerning the effect of 27 pay days in calendar year 1996 on the payment of retention allowances and the aggregate limitation on pay.
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In the notes column, enter any comment/ note about the client's revenue/ expense for that particular month.
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It appears that many consumers cannot reasonably avoid the injury that results when a lender makes a covered longer-term loan and does not determine that the loan payments are within the consumer's ability to repay.
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Jacinta Stiles08 September 2015
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