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The SAFE Lending Act of 2024 amends federal consumer lending laws to strengthen protections for borrowers in small-dollar credit transactions. The bill requires lenders offering small-dollar credit (up to $5,000) to register with the Consumer Financial Protection Bureau, prohibits remotely created checks without explicit written consumer authorization, restricts overdraft fees on prepaid accounts, and bars lead generation companies from selling consumer financial information to small-dollar lenders unless they directly provide the credit themselves. The bill also requires the Comptroller General to study the availability of capital and impact of small-dollar lending on Native American reservations.
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