I've been told that if you don't provide a TIL with a disclosed APR, that the loan rate becomes the APR which means you would have to refund any pre-paid finance charges.
In the back of my pea brain, seems one of the gurus said that is incorrect....that you just have a TIL violation but no reimbursement.
Anyone?
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The more you sweat in training, the less you bleed in battle.......