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By definition, a covered longer-term balloon-payment loan has a longer duration than a covered short-term loan, so the circumstances for which the Bureau believes an exception is appropriate in § 1041.
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Others explicitly do not allow revocation, even though ACH private network rules require stop payment rights for both one-time and recurring ACH transactions.
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We should be standing with Uber drivers, and everyone else fighting for basic employment rights and fair wages, to say we can be so much better than this.