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Amberly - July 23, 1996 1997-10-14T12:30:57 pzje392.tmp 2015-04-22T12:57:32-04:00 2015-04-22T12:57:32-04:00 Acrobat PDFWriter 2.01 for Windows uuid:3a15533b-b45d-49a5-bfaf-8f4009c0d622 uuid:f7e95405-0482-4ddb-90f4-2b5aef41ddeb endstream endobj 36 0 obj <>/Metadata 19 0 R/Pages 33 0 R/StructTreeRoot 73 0 R/Type/Catalog>> endobj 47 0 obj <>/Filter/CCITTFaxDecode/Height 112/Length 424/Name/im1/Subtype/Image/Type/XObject/Width 312>>stream &cg<#>8 HG8P uD rA{٘#QŲ -Y!GGC 263wAr +h2Ar?8W 5l~3a|ɹ}DE}L}iXR 89:iMAU6H)f@8cQ!S^#xh@b ,|qeAC 3-?9g@@<3G| >Aߟ DADp#m)Bx) h ů!u.ZXti胾#(2AA]GaOsAln!&##! F-dd2A|@kr72T{N A33F_˃׈a Md2A endstream endobj 48 0 obj <>/Filter/CCITTFaxDecode/Height 232/Length 2498/Name/im2/Subtype/Image/Type/XObject/Width 2544>>stream &< . 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<p8<<8<p<?>>8<p<<<8>?8<8xx<x{80p8 <x 8 x <x8><8><0@00 EI Q BT /T1_3 1 Tf 0.0121 Tc 0 Tw 6.9573 0 0 6.9573 141.84 240.24 Tm (ulle96~ates.2)Tj ET EMC /Figure <>BDC q 2.64 0 0 -0.72 565.68 880.8 cm BI /W 11 /H 3 /BPC 1 /CS /G /D [1 0] ID ? EI Q EMC BT /P <>BDC /T1_0 1 Tf 0.0003 Tc 0.13 Tw 0 Tr 11.754 0 0 11.754 62.16 943.2 Tm (Valerie Yates, Esq.)Tj EMC ET /Figure <>BDC q 24.72 0 0 -11.28 61.68 937.92 cm BI /W 103 /H 47 /BPC 1 /CS /G /D [1 0] ID ?xp~>>>>>>>>>>>>>?>>>>>>>>>>><~~x|x|| EI Q EMC BT /P <>BDC /T1_1 1 Tf 0 Tc 0 Tw 10.7932 0 0 10.7932 394.8 936.48 Tm (M)Tj 0.1575 Tc -0.1531 Tw 7.92 0 0 7.92 403.92 936.48 Tm (ILES )Tj 0 Tc 0 Tw 10.7932 0 0 10.7932 438.24 936.48 Tm (&\001)Tj EMC /P <>BDC /T1_0 1 Tf -0.0031 Tc 0.0824 Tw 11.754 0 0 11.754 90.5725 929.04 Tm (23, 1996 )Tj EMC ET /Figure <>BDC q 91.2 0 0 -9.6 456.72 945.6 cm BI /W 380 /H 40 /BPC 1 /CS /G /D [1 0] ID ?`?????????~??~? ??~?p??~?p??~~???~???????~???~??~??????a??8????c|???8??<?>??????? <???8`~~>>>? EI Q EMC /Figure <>BDC q 4.56 0 0 -3.12 418.32 928.32 cm BI /W 19 /H 13 /BPC 1 /CS /G /D [1 0] ID |?< EI Q EMC BT /P <>BDC /T1_1 1 Tf 0.0999 Tc 0.846 Tw 4.799 0 0 4.799 430.299 925.2 Tm (PROFESS1ON.U\001 )Tj EMC /P <>BDC /T1_0 1 Tf 0.0001 Tc 0.0485 Tw 11.754 0 0 11.754 62.4 915.1195 Tm (Page 4 )Tj EMC /P <>BDC /T1_2 1 Tf 0.0051 Tc 0.3281 Tw -0.041 -2.226 Td (who are faced with a difficult choice of options to overcome serious fin\ ancial problems that )Tj 0.0255 Tc 0.3996 Tw -0.02 -1.184 Td (they face. These proposed policies and further consumer education effort\ s should benefit )Tj 0.0661 Tc 0.2746 Tw -0.02 -1.184 Td (consumers attempting to overcome their debt related problems. The NFCC B\ oard )Tj /T1_4 1 Tf 0.2179 Tc 0 Tw 8.8767 0 0 8.8767 543.12 861.12 Tm (o )Tj -0.0016 Tc 0.838 0 Td (f )Tj /T1_2 1 Tf 0.0256 Tc 0.3332 Tw 11.754 0 0 11.754 60.72 847.2 Tm (Trustees is scheduled to meet in mid-September and would like to conside\ r the adoption )Tj 0.0043 Tc 0.3622 Tw 0.02 -1.205 Td (of the above two policies at that time, to become effective for NFCC mem\ bers on January )Tj 0.0409 Tc 0.3207 Tw 0.041 -1.184 Td (1, 1997. )Tj 0.065 Tc 0.3557 Tw 5.309 -0.02 Td (We would appreciate an FTC staff opinion on these issues in time for )Tj 0.0247 Tc 0.3508 Tw -5.391 -1.143 Td (consideration by the NFCC Board of Trustees meeting in September. )Tj EMC /P <>BDC /T1_0 1 Tf -0.0001 Tc 0.2182 Tw 3.002 -2.369 Td (Finally, NFCC is also interested in providing additional consumer educat\ ion to )Tj -0.001 Tc 0.0901 Tw 11.4624 0 0 11.754 59.76 763.92 Tm (consumers who may need information about how DMPs work and the likelihoo\ d of success )Tj -0.0004 Tc 0.1266 Tw 11.754 0 0 11.754 59.28 749.76 Tm (that a DMP will have given the significant consumer debt, and)Tj EMC ET /Figure <>BDC q 27.12 0 0 -9.12 419.52 758.88 cm BI /W 113 /H 38 /BPC 1 /CS /G /D [1 0] ID ?>ǃ~|||||||||||||||||~|~>?????? EI Q EMC BT /P <>BDC /T1_0 1 Tf -0.0005 Tc 0.192 Tw 11.754 0 0 11.754 446.64 749.76 Tm ( insolvency, facing )Tj 0.0021 Tc 0.114 Tw -32.957 -1.184 Td (many consumers who consider entering into a DMP. We understand that the \ FTC may )Tj -0.0004 Tc 0.0749 Tw 11.4624 0 0 11.754 58.8 722.16 Tm (be considering some consumer education efforts in this area and the NFCC\ would welcome )Tj 0.0017 Tc 0.0351 Tw 11.754 0 0 11.754 58.8 708.24 Tm (the opportunity to work with the FTC staff to provide consumer education\ on the various )Tj -0.0001 Tc 0.0895 Tw -0.02 -1.184 Td (alternatives available to consumers in financial trouble. )Tj EMC /P <>BDC /T1_2 1 Tf 0.0258 Tc 0.3346 Tw 3.042 -2.43 Td (If you should have any questions regarding the above request for a staff\ opinion, )Tj 0.3423 Tw -3.083 -1.184 Td (please call me. Meanwhile, thank you in advance for your cooperation. )Tj EMC /P <>BDC /T1_0 1 Tf 0.0003 Tc 0.0074 Tw 21.114 -2.409 Td (Very )Tj /T1_2 1 Tf 0.0229 Tc 0.3595 Tw 2.797 0 Td (truly yours, )Tj EMC ET /Figure <>BDC q 161.28 0 0 -32.64 301.44 616.32 cm /Im0 Do Q q 17.52 0 0 -16.56 421.92 583.68 cm BI /W 73 /H 69 /BPC 1 /CS /G /D [1 0] ID ?|~~>????~??????????? EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.0407 Tc 0.2801 Tw 11.754 0 0 11.754 306.2488 568.0751 Tm (Vincent M. Amberly )Tj EMC ET /Figure <>BDC q 47.04 0 0 -9.6 57.6 549.36 cm BI /W 196 /H 40 /BPC 1 /CS /G /D [1 0] ID 88< 0 8?x>>?><|<|||||||?|||?pp|?pp|?p>88?p>~88?0|8|8|p~8|x|8>9~  ??? EI Q EMC BT /Span <>BDC /T1_2 1 Tf 0.0251 Tc 0 Tw 9.858 0 0 11.754 58.08 527.04 Tm (cc: )Tj EMC /Span <>BDC -0.0008 Tc -0.0042 Tw 11.754 0 0 11.754 93.84 526.8 Tm (Mr. )Tj 0.0197 Tc 0.2947 Tw 5.909 0 Td (S. Abernethy, III )Tj EMC ET /Figure <>BDC q 20.88 0 0 -6.24 59.52 245.76 cm BI /W 87 /H 26 /BPC 1 /CS /G /D [1 0] ID <1sx1>BDC q 610.56 0 0 -44.16 0 44.16 cm /Im1 Do Q EMC endstream endobj 104 0 obj <>stream H\An0E{ށA!m xdEnIRQ-/r@G1l~ɝ"!- 2D[7nhrIvh~izm^}>ⱷ>!/6Ͽ"á,<~w;Jˁu.$/AtFdoMnjϹ_!=Qd"(4^% a-EiCI- 9E  Nl8a,ʎ\'|WG9J`Nj`Nն(U9\QxQ/.FxQ*K&xQME+9U9:K8??cbN31RQ~x21C <#ħ? 3. endstream endobj 105 0 obj <>stream H\n0 z[ %ILa%Hr` 9 'R'iY6it0~>xK.c8 Qh#]$\|᲏(N4uN՞<쿫{C/CI޽?ntgve񗝞%ߍԥ%7p SQ;N迬U9mA|/m`1`u@/2 a- Ai`-}-238c[6 ǒAqƚ~:9(0osR s-D^^@^xq0U92o /Z ^2@붎 ~ s-<+hb >iP%%ķ  endstream endobj 106 0 obj <> endobj 107 0 obj <>stream H\0E @zmfӸ$=MRI.;7Iؘ<*/MuNGu~,Ȩ-􃛋2[c7)ʗn˫zeQP!vEm q[Z2w)ͤm/nꆨŋJ~?ōX4Z麶coMk'7]h ;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 108 0 obj [1/space] endobj 109 0 obj <> endobj 110 0 obj <>stream H\͎0SUX4d5mm" B8.rD>KtqVU~_&1,69^ _\q'նE#-U=|4 /oK0^O;}_5Ln[8|qWwemSVN}q j9rs>ч.<cY=^ h,8g< "@ >*8*H რ >*H რ >*H რ >*H @Etz.F@F;Ya4/@&; #őQ@VSohC;MH;,ph=qu4TG捨oj \,zٽ8rv+H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xP”6Ki)>Ee endstream endobj 111 0 obj [1/space] endobj 112 0 obj <>stream Ht ǭ@6GrI/9t[m1ଵklGU޾c*#xr,it0ˮ>xK.6\(ws vUn>߯sNeӈ9/^tO1g־~~?҇NTߒCU6MoamR19W;=!rNJҍ>\'BDcA6]w!:(EP2& .FY*a m6(J'Dl=v;p@QqNX˿cKĖ0^I̩" "xv9Z^ynxQ"K&xQME+99:K8-??cbNs>RF~9xF1} 4N#ć? _r endstream endobj 158 0 obj <> endobj 159 0 obj <>stream /Artifact <>BDC q 3.12 0 0 -14.4 6.48 1012.08 cm BI /W 13 /H 60 /BPC 1 /CS /G /D [1 0] ID @` EI Q BT 0 0 0 rg /T1_0 1 Tf 3 Tr 10.804 0 0 19.91 6.48 997.68 Tm (I)Tj /T1_1 1 Tf -0.0008 Tc 10.3275 0 0 8.8767 66.96 921.36 Tm (Juiy)Tj /T1_2 1 Tf 0 Tc -0.0051 Tw 11.754 0 0 11.754 515.96 881.5186 Tm ( )Tj -0.0018 Tc 0 Tw 0.596 0 Td (NFCC\222S)Tj 0 Tc -0.0051 Tw -10.758 -1.184 Td ( )Tj -0.0048 Tc 0 Tw 12.6744 0 0 11.754 403.68 867.6 Tm (NFCC)Tj 0 Tc -0.0051 Tw 11.754 0 0 11.754 403.5286 853.6795 Tm ( )Tj ET q 39.36 0 0 -8.88 410.88 862.32 cm BI /W 164 /H 37 /BPC 1 /CS /G /D [1 0] ID $ ?????O>>>><<||<|||~|< <<><?>~?>|?|????~ <><>>>? EI Q BT /T1_2 1 Tf -0.004 Tc 0 Tw 12.6744 0 0 11.754 410.88 853.68 Tm (incIude)Tj 0 Tc -0.0051 Tw 11.754 0 0 11.754 495.0992 853.68 Tm ( )Tj -0.0008 Tc 0 Tw 12.6744 0 0 11.754 500.16 853.68 Tm (roie)Tj -0.0018 Tc 11.754 0 0 11.754 66.24 839.52 Tm (NFCC\222S)Tj /T1_3 1 Tf 0 Tc 0.0077 Tw 6.409 -8.331 Td ( )Tj -0.0003 Tc 0 Tw 11.0376 0 0 11.754 146.4 741.6 Tm (wouId)Tj 0 Tc 0.0077 Tw 11.754 0 0 11.754 324.6109 587.2785 Tm ( )Tj -0.0072 Tc 0 Tw 0.499 0 Td (will)Tj /T1_2 1 Tf 0 Tc -0.0051 Tw -5.421 -11.863 Td ( )Tj -0.0018 Tc 0 Tw 0.561 0 Td (NFCC\222S)Tj ET q 42.48 0 0 -8.88 109.68 429.6 cm BI /W 177 /H 37 /BPC 1 /CS /G /D [1 0] ID ?0????<>?88<?ǀ<??|?~?|<p< ?p<???<<|||??????? EI Q BT /T1_2 1 Tf 11.754 0 0 11.754 109.68 420.72 Tm (NFCC\222S)Tj 0 Tc -0.0051 Tw 33.85 -8.331 Td ( )Tj ET q 29.04 0 0 -6.24 515.04 328.8 cm BI /W 121 /H 26 /BPC 1 /CS /G /D [1 0] ID p@w?|~?0pp`???~>ijı~<>?? EI Q BT /T1_4 1 Tf 0.0002 Tc 0 Tw 12.9506 0 0 12.9506 515.04 322.8 Tm (serve)Tj 0 Tc 0.0093 Tw 2.242 0 Td ( )Tj -0.0001 Tc 0 Tw 0.315 0 Td (to)Tj /T1_2 1 Tf 0 Tc -0.0051 Tw 11.754 0 0 11.754 394.4012 308.64 Tm ( )Tj -0.0038 Tc 0 Tw 10.7964 0 0 11.754 402.48 308.64 Tm (whG)Tj ET EMC BT /P <>BDC /T1_5 1 Tf 0 Tc 0 Tr 10.7932 0 0 10.7932 399.84 948.24 Tm (M)Tj 0.2484 Tc -0.2449 Tw 7.92 0 0 7.92 409.92 948.24 Tm (ILES )Tj 0 Tc 0.6414 Tw 10.7932 0 0 10.7932 447.36 948.24 Tm (& )Tj 0 Tw 2.197 0 Td (S)Tj 0.3696 Tc 7.92 0 0 7.92 477.6 948.24 Tm (TOCKBRIDG)Tj 0.006 Tc (E\001 )Tj EMC /P <>BDC /T1_6 1 Tf 0 Tc -0.3167 Tw 3.84 0 0 3.84 423.12 936.96 Tm (A )Tj /T1_5 1 Tf 0.2999 Tc 1.1877 Tw 4.799 0 0 4.799 429.6 936.96 Tm (PROFESS1ONAL C)Tj -0.0001 Tc 0 Tw (O)Tj 0.4 Tc 3.6 0 0 3.6 498.72 936.96 Tm (RPORATIO)Tj 0 Tc (N)Tj EMC /P <>BDC /T1_2 1 Tf 0.0399 Tc 0.2911 Tw 11.754 0 0 11.754 67.44 935.28 Tm (Valerie Yates, Esq. )Tj EMC ET /Figure <>BDC q 24.72 0 0 -11.04 66.96 930 cm BI /W 103 /H 46 /BPC 1 /CS /G /D [1 0] ID Îp?<p>><<<>>>>>><>?>>>>~>>x|>>>>>~~~>p EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.0051 Tc 0.2245 Tw 11.754 0 0 11.754 97.2588 921.36 Tm (23, 1996 )Tj EMC /P <>BDC 0.0174 Tc 0.263 Tw -2.517 -1.184 Td (Page 3 )Tj EMC /P <>BDC 0.0462 Tc 0.3024 Tw -0.041 -2.205 Td (of the creditors who impose certain requirements and often provide fundi\ ng to)Tj EMC ET /Figure <>BDC q 42.72 0 0 -9.12 522.96 890.4 cm BI /W 178 /H 38 /BPC 1 /CS /G /D [1 0] ID ~??x?<>8<?8?8>8~?x~~~~~x?~~?x~8 x>88?8??<<||?>7pqǀ0 EI Q EMC BT /P <>BDC /T1_2 1 Tf 0 Tc 0.124 Tw 11.754 0 0 11.754 565.6059 881.52 Tm ( \255)Tj 0.0437 Tc 0.3354 Tw -42.425 -1.184 Td (members for their efforts in developing DMPs. Therefore,)Tj EMC ET /Figure <>BDC q 33.36 0 0 -9.12 403.68 876.72 cm BI /W 139 /H 38 /BPC 1 /CS /G /D [1 0] ID ??~?>?8<??><~ǀ<~<~?|~~~~~~|~`|~<~<>?>?<<><>|~|>?? EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.025 Tc 0.3319 Tw 11.754 0 0 11.754 437.04 867.6 Tm ( is also considering a\001 )Tj 0.0053 Tc 0.348 Tw -31.548 -1.184 Td (policy which would require any general discussion of DMPs to)Tj 0.008 Tc 0.1501 Tw 32.671 0 Td ( the dual\001)Tj EMC ET /Figure <>BDC q 20.64 0 0 -9.12 500.16 862.56 cm BI /W 86 /H 38 /BPC 1 /CS /G /D [1 0] ID |>?>>8>>>>>>???????????>?< EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.0174 Tc 0.263 Tw 11.754 0 0 11.754 520.8 853.68 Tm ( which\001)Tj 0.0046 Tc 0.3374 Tw -35.038 -1.205 Td ( members serve in responding to the needs of consumers and creditors whe\ n setting\001 )Tj 0.0024 Tc 0.3089 Tw -3.635 -1.225 Td (up a DMP.\001 )Tj EMC ET /Figure <>BDC q 42.72 0 0 -9.36 66.24 848.64 cm BI /W 178 /H 39 /BPC 1 /CS /G /D [1 0] ID x????|<???>ĴĴ8<<?>?~x??8 88xx|x~>?|????ǀ??p EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.0042 Tc 0.0213 Tw 11.754 0 0 11.754 101.0412 797.2785 Tm (Next, the )Tj /T1_3 1 Tf 0.0012 Tc 0.1086 Tw 4.084 0 Td (NFCC is considering a more uniform policy for its members in regard to )Tj 0.0023 Tc 0.1542 Tw -7.147 -1.164 Td (the disclosure they provide consumers on the length of time necessary to\ pay off their )Tj 0.0001 Tc 0.089 Tw 11.4624 0 0 11.754 64.8 769.44 Tm (debts under a DMP. NFCC members presently vary their policies in regard \ to information )Tj -0.0003 Tc 0.0598 Tw -0.042 -1.184 Td (provided to DMP clients regarding the length of time for a DMP and a mor\ e uniform policy )Tj 0.1306 Tw 11.754 0 0 11.754 64.32 741.6 Tm (in this regard)Tj EMC ET /Figure <>BDC q 32.4 0 0 -8.88 146.4 750.24 cm BI /W 135 /H 37 /BPC 1 /CS /G /D [1 0] ID ~~0px<|?x||?<<<><<<<?<|ÿ<~<<>>??>?Ĵ?>?><|>???> EI Q EMC BT /P <>BDC /T1_3 1 Tf 0.0025 Tc 0.1838 Tw 11.754 0 0 11.754 178.8 741.6 Tm ( be beneficial to consumers. )Tj 0.0018 Tc 0.1845 Tw 14.579 0 Td (The NFCC considers the reasonable )Tj 0.001 Tc 0.0322 Tw -24.34 -1.164 Td (estimate of the length of time to pay out a DMP, assuming the client mak\ es all payments )Tj 0.0018 Tc 0.0161 Tw 0.02 -1.205 Td (in a timely manner, as a critical piece of information for consumers who\ are overwhelmed )Tj 0.0012 Tc 0.0984 Tw -0.061 -1.164 Td (by debt and desperate for a solution. )Tj 0.0013 Tc 0.1377 Tw 18.357 -0.02 Td (Therefore, the NFCC is considering a policy that )Tj 0.0021 Tc 0.0639 Tw -18.357 -1.164 Td (would require its members to provide to consumers a reliable estimate of\ the duration of )Tj 0.0022 Tc 0.0514 Tw 0.02 -1.205 Td (a DMP at the time that a consumer enters into the DMP program. )Tj EMC /P <>BDC -0.0001 Tc 0.0436 Tw 11.4624 0 0 11.754 99.12 643.68 Tm (Many of NFCC\222S current members are presently using software systems w\ hich could )Tj 0.0009 Tc 0.2054 Tw 11.754 0 0 11.754 63.12 630 Tm (provide a print-out that provides an accurate estimate based on a credit\ or-by-creditor )Tj 0.0015 Tc 0.1491 Tw -0.02 -1.164 Td (breakdown of continuing interest charges. )Tj 0.0008 Tc 0.143 Tw 21.114 -0.02 Td (For example, enclosed please find a typical )Tj 0.0016 Tc 0.1038 Tw -21.073 -1.164 Td (estimate provided to consumers by the CCCS of the Gulf Coast Area in Hou\ ston, Texas )Tj 0.0017 Tc 0.1897 Tw -0.041 -1.286 Td (\(\223Houston disclosure\224\). NFCC proposes that it)Tj EMC ET /Figure <>BDC q 20.16 0 0 -9.12 330.48 596.16 cm BI /W 84 /H 38 /BPC 1 /CS /G /D [1 0] ID 08x?x~?x><<><><><x<8<>< <><><<?<>?|>>>>|? ??? ?< EI Q EMC BT /Span <>BDC /T1_3 1 Tf -0.0009 Tc 0.1516 Tw 11.754 0 0 11.754 350.6407 587.28 Tm ( adopt a policy which would require )Tj 0.0024 Tc 0.1891 Tw -24.462 -1.082 Td (offices on the Houston software system to provide the Houston disclosure\ . NFCC also )Tj 0 Tc 0.0621 Tw 11.4624 0 0 11.754 63.12 560.4 Tm (proposes that offices not presently operating under the system be encour\ aged to implement )Tj 0.0021 Tc 0.0464 Tw 11.754 0 0 11.754 63.12 546.48 Tm (a DMP duration disclosure similar to the present Houston disclosure as s\ oon as possible. )Tj -0.0003 Tc 0.1162 Tw 11.4624 0 0 11.754 63.12 532.32 Tm (Meanwhile, for those NFCC members who cannot presently provide a Houston\ disclosure, )Tj 0.0023 Tc 0.0083 Tw 11.754 0 0 11.754 62.88 518.4 Tm (NFCC proposes that these offices provide a disclosure to consumers of th\ e DMP length, so )Tj 0.0007 Tc 0.0581 Tw 0 -1.184 TD (that consumers would be advised that the DMP could take as many as forty\ eight \(48\) or )Tj 0.0009 Tc 0.0499 Tw 0 -1.205 TD (sixty \(60\) months \(as relevant\) to pay out or complete. )Tj EMC /P <>BDC /T1_2 1 Tf 0.0453 Tc 0.3608 Tw 3.022 -2.369 Td (The NFCC is considering adopting these proposals on DMP duration as NFCC\ )Tj 0.0472 Tc 0.2836 Tw -3.002 -1.246 Td (policies. By adopting these policies,)Tj EMC ET /Figure <>BDC q 42.72 0 0 -9.12 273.36 456.96 cm BI /W 178 /H 38 /BPC 1 /CS /G /D [1 0] ID ?????<>>?8??ǀ<>?<>?|~~~|~ |~p?<~p<<~p?<????/  EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.0244 Tc 0.3667 Tw 11.754 0 0 11.754 316.0816 447.84 Tm ( members would be required to follow the )Tj 0.0449 Tc 0.3421 Tw -21.522 -1.123 Td (policy or face sanctions such as termination of NFCC membership. The pol\ icy would )Tj 0.0649 Tc -0.0713 Tw 0.041 -1.184 Td (require )Tj 0.045 Tc 0.3676 Tw 8.193 0 Td (members to provide a reliable estimate on DMP duration prior to a )Tj 0.0241 Tc 0.3247 Tw -8.192 -1.164 Td (consumer\222s first DMP deposit. We request an FTC staff opinion on whet\ her or not these )Tj 0.0261 Tc 0.2882 Tw T* (proposed policies on DMP duration would be appropriate and legal under F\ TC regulations )Tj 0.0249 Tc 0.3676 Tw 0.02 -1.164 Td (and statutes that apply to NFCC and its members. )Tj EMC /P <>BDC 0.0456 Tc 0.3568 Tw 3.022 -2.328 Td (We request an FTC staff opinion on the above proposed policies regarding\ \(1\) )Tj 0.0443 Tc 0.2866 Tw -2.981 -1.225 Td (disclosure of creditor fundings through \223fair share\224, )Tj 0.0234 Tc 0.2706 Tw 25.32 0.02 Td (\(2\) the dual role served by NFCC\222S )Tj 0.0453 Tc 0.3468 Tw -25.32 -1.266 Td (members in setting up a DMP, and \(3\) DMP duration. These policies woul\ d )Tj 0.0259 Tc 0.4041 Tw 0.021 -1.204 Td (disclose important information that could benefit consumers)Tj EMC ET /Figure <>BDC q 10.08 0 0 -8.16 548.16 330.72 cm BI /W 42 /H 34 /BPC 1 /CS /G /D [1 0] ID @?>?? EI Q EMC /Figure <>BDC q 21.36 0 0 -9.36 402.48 317.76 cm BI /W 89 /H 39 /BPC 1 /CS /G /D [1 0] ID 0x?xx>>>>><><><><><8><?8><þ><><><><><>< >??Ĵ???0>?<<<<<<<<<|x EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.023 Tc 0.2879 Tw 11.754 0 0 11.754 423.84 308.64 Tm ( are considering a DMP. )Tj 0.0255 Tc 0.3466 Tw -30.588 -1.225 Td (The additional information required by these policies is factual and wil\ l assist consumers )Tj EMC ET /Artifact <<>>BDC q 606.72 0 0 -55.68 0 59.76 cm /Im0 Do Q EMC endstream endobj 160 0 obj <>stream Hdn0E.H:5EEu=M 6%r}yGl 4 ;4=_tcÁ'v)|oc`}Su:va*ߤT׉/iT3/^U=O]>}ȭ.ݳ}U6 gp __XWv>V#_xĪqf)N5*=vr.gl[gˠFB3>XH8'z$9k`Q(IIb% W69A Hb-qqtK1v`^/ dTlkRhhrv/墴Ks YxQ%ɦn%%ݗQ11&ÃIp<:pb ooԇ endstream endobj 161 0 obj <>stream H\͎0 gL7YGM=1&B"d1o_ v#F>_??~1Nq1]?s]s/M2 ͔8vWSUY#-ޖռ4/}h?6vYmn܏_7xOK+ׅ/}BԄ87%ff̹ӛ]['(;OO  %A' 4g ( D@G ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (* fsV\pֹJp %AYΦ '@Y^vPD (K"@@Yeޣ  gwn$,F"t#a{Ѝl.aQG楪[omK[9 \#%^~-pXʁV={*ohݳDz198\8fTsa2(erqJc|u)>Y>f, endstream endobj 162 0 obj <>stream H\͎0y/gTU1%Ģ3J}p (J ӫYp>ۑeߵ}84mW1.3udTCÇ/v?u_×x6T>}4ulXDZN~Y6 xdn^xZ ߪK4ɺ1/:^*ıN1Z3ۦe߭j>slDSpNJ''k6 BTx*J#Q@ j"AT!hPPPPPPPPPPPPPPPPGh9\pֹJp %qAYΦ '@Y^vPD (K"cC@Ye1ޣ  gWn$,6F"t#a{Ѝl.aQG楪[/mKK9 \#%^~.Wp_ʁR={*/hݳDz>98\8ߦTcb2,evqJ]|C?I,OPg endstream endobj 164 0 obj <> endobj 165 0 obj <> endobj 166 0 obj <> endobj 168 0 obj <> endobj 170 0 obj <> endobj 172 0 obj <> endobj 173 0 obj <> endobj 174 0 obj <> endobj 176 0 obj <> endobj 178 0 obj <> endobj 180 0 obj <> endobj 181 0 obj <> endobj 183 0 obj <> endobj 184 0 obj <> endobj 185 0 obj <> endobj 186 0 obj <>stream HWϏH.QjՊF'J_m%&3Y ТE(v?ȿBE9p̿Fx]|n'?3r\]{5ݹN'qhoϢО/PΝ gaD3gg=o+%R[[}Hά"0\.0kUt=.mOlzŻ|˶1PηU7ԳXaw|3Q/I *{ T9WSZ8 =zYQS}Z*@g$g0w"ݿOAK#&uX$68 7Jf_q=/#Uطc< :7 @Qq?1k9jք~ET 6SJ-ef_mV$R~\(NuxB K{\7i7sӬ͂KEɹFj@C.\ S\ûMgq`,%CMюzk3i#E;ɛLzH;7s|wEġQQX[mOlxpg%J*&&d%01*C,tB\S:5-cPSCBAHNPH02K_~ id1 p!9YBQFbKwA&Yd{He!ki O["vƜo_ŕyɷ!b@r&葝X!Z@:$I:$g\k="-ER С$eMBΡg :!Efh[:'XP-\ZeҨDeN淪BC LyP1Zunjyk9TF} ^񼸌D¹%!b̛{;\AL4OONމ^89BvNE5LW;zu0ԗ].Og${H!G{; N0C|R5X1 IeԳ,{J*ŭQ1֠6/Eը (ZQ)Ҕ, <{8q ,b~`百lxy(u!W@RBK U Bd+S H@nPl>pi֧^vH# bjTK H^@Lw#Wy{ ׀ρ\azݝT#V IHbV77ø=@Kz^-HE:ZjDH wVPAF#H֚K /rRUlI餥@5fEEI UKR%Euv+B)7 ׷q1{5ONN>ѦsGǯpQ`nG^ `>#tbK |!DD"ɮ{Cuٳ4 U3ŻfQd%YZMJ4fZ(*T` NjpՁK_$h,t!܂KvT*@L.(԰B%S2cnA)*Nh;`ff }}tA A}C`V `? 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