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The contrast of the very high likelihood that a consumer will wind up in a long-term debt cycle after taking out only a few loans with the near negligible impact of a disclosure on consumer reborrowing patterns provides further evidence of the insufficiency of disclosures to address what the Bureau believes are the core harms to consumers in this credit market.
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They want us to shop around for big ticket items.
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You're rewarded a little more for 20 percent, and a little more for 10 percent, but the difference between 10, 20 and 30 is minimal.
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Thus, getting a link from a site like Wikipedia
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They may do this in a number of ways, including, for example, collecting information directly from applicants, using available estimates published by third parties, or providing for a “cushion” calculated as a percentage of income.
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