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The bottom line to this bill is that is probably a moderate disaster for most commercial lenders, if for no other reason, a systems issue of calculating and providing notice. I’m not sure this is a good thing. Rhode Island: Any person who acts as a lender, loan broker, mortgage loan originator, or provides debt-management services must be licensed. 2014 – The banking industry is losing ground as non-banking companies such as Apple, Google and T-Mobile develop their own payment methods and financial products that circumvent the need for banking services.
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