CONSUMER FINANCIAL REGULATION - CFPB'S FINAL PAYDAY LENDING RULE DEEMS IT AN "UNFAIR" AND "ABUSIVE" PRACTICE TO MAKE PAYDAY LOANS WITHOUT DETERMINING BORROWER ABILITY TO REPAY. - Payday, Vehicle Title, and Certain High-Cost Installment Loans, 82 Fed. Reg. 54,472 (Nov 17, 2017) ( to be codified at 12 CFR pt. 1041).