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Furthermore, the Bureau seeks comment on whether lenders expect to rely on third-party vendors for tracking payment history or other loan performance records for a covered loan, on the ways in which vendors retain and report such data today, and any technological or other issues that would be useful to account for when a lender compiles data from multiple internal and external sources.
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The Bureau recognizes that defaulters may not default because they lack the ability to repay, but the Bureau believes that the percentage of consumers who default despite having the ability to repay the loan is small.
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