| http://www.w3.org/ns/prov#value | - A payment could not be deemed late unless the borrower is given a reasonable period of time, such as 21 days, to pay; ??? Unfairly allocating payments among balances with different interest rates, with lenders crediting payments to balances with lower rates so they can continue to charge interest for balances at higher rates; ??? Retroactively raising interest rates on pre-existing balances; ??? P
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