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The Bureau further seeks comment on whether a general “substantially smaller” standard is appropriate to prevent the unfair and abusive practice; whether a specific percentage reduction would be more appropriate; and, if so, what specific threshold or methodology should be used and why that number or formula appropriately differentiates substantially smaller payments.
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The Bureau believes these requirements in proposed §§ 1041.
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Put another way, an intervening successful payment transfer generally has the effect of resetting the failed payment transfer count to zero.
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