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To provide greater certainty, facilitate compliance, and reduce burden, the Bureau is proposing a comment to explain how lenders could comply with proposed § 1041.

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When these features are combined with the high cost of the loans and, in some cases, a balloon payment structure or the ability to recover additional money through repossessing and selling borrowers' vehicles, there are lenders that operate, presumably at a profit, even when borrowers are defaulting on 50 percent of loan sequences.

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In a statement from AIA CEO and Executive Vice President Robert Ivy released hours after the election results were confirmed, Ivy wrote that "The AIA and its 89,000 members are committed to working with President-elect Trump to address the issues our country faces, particularly strengthening the nation’s aging infrastructure.

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Essentially, you’re borrowing against your credit card to put cash in your pocket, which can be convenient when you are occasionally short of funds.

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If you wish to share your comments with the Bureau, please send a copy of these comments to the docket for this proposed rule at>