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In addition, the Bureau seeks comment on whether such lenders assess account-related fees (that is, fees other than bona fide late fees under the loan agreement) even when they defer or forego collecting payment based on their observation that the account lacks sufficient funds, and, if so, what types of fees and how frequently such fees are assessed, and what additional provisions may be appropriate to clarify how the concept of a failed payment transfer applies in such circumstances.
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Section 603 requires the IRFA to contain a description of the reasons why action by the agency is being considered; section 603 requires a succinct statement of the objectives of, and the legal basis for, the proposed rule.
If they need a core working capital requirement to be funded, initially , in the process of transition, this should be by way of a term loan.
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