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While similar empirical evidence is not available for disclosures warning borrowers taking out covered longer-term loans of the risks associated with those loans, the Bureau believes that such disclosure would also be ineffective in warning borrowers of those risks and preventing the harms that the Bureau seeks to address with the proposal.
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The Bureau also notes that larger loans may make it easier for lenders to absorb the costs of conducting an ability-to-repay determination and providing payment notice in accordance with proposed § 1041.
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