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If adverse action is taken based on information received from a third party that is not a consumer reporting agency, the adverse action notice must direct the consumer to the bank, and not any third party, for details regarding the character of the information (even where the payday loan applications are received by the bank through a third party such as a payday lender).
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ZINMAN: And so we have a setup for a nice natural experiment there.
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ZIP codes near Nebraska City
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