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The Bureau solicits comment on whether any of these excluded types of loans should also be covered under proposed part 1041.
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at 1073-74 (noting that an unfair practice must be “injurious in its net effects” and that “[t]he Commission also takes account of the various costs that a remedy would entail.
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The baseline for evaluating the potential full benefits, costs, and impacts of the proposal, however, is the current regulatory regime as of the issuance of the proposal.
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