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(c) Loan amortization. If a direct lender amortizes a loan over a period of time that is longer than the term to maturity under § 614.4000(a), § 614.4010(a), § 614.4030(a), § 614.4040(a), or § 614.4050 (a)(1) or (2), it must establish a loan amortization schedule … ................
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