Some borrowers might not get the APR to be a useful disclosure.

In addition, making loan evaluations based entirely on item costs is almost certainly not feasible if borrowers have actually strong choices for many item features or destination value from the conveniences from the items. Under such circumstances, costs may reflect more specialized market segmentation. The situations below illustrate whenever borrowers may put greater fat on nonprice facets in accordance with the total loan cost. Borrowers may...

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