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The rule that is final restrictions for “covered loan, ” that can be either (1) any short-term credit rating with a term of 45 times or less, (2) any longer-term balloon-payment credit rating, or (3) longer-term credit rating with a phrase greater than 45 days and with out a balloon repayment in which (i) the sum total price of credit surpasses a yearly rate of 36per cent, and (ii) the financial institution obtains a kind of “leveraged payment apparatus” providing the financial institution a right to see this start transfers from consumer’s account.