Multiple customer advocacy groups commented that advantageous assets to payday loan providers are overstated considering that the Bureau’s price quotes through the 2017 Final Rule didn’t account fully for loan providers making modifications towards the regards to their loans to higher fit the structure that is regulatory or providing other items. The Bureau notes that this could are categorized as вЂњchanges into the profitability and industry framework that will have took place a reaction to the 2017 Final RuleвЂќ discussed in part VII.B.3 below. One payday loan provider commented that the advantages of wait to payday loan providers are understated, as the quotes through the 2017 Final Rule did not take into account business closures resulting in complete revenue loss. The Bureau disagrees because the revenue that is estimated cited are for the industry in general together with Bureau noted within the 2017 last Rule that some loan providers would probably leave due to decreased profits. 97 Furthermore, the Bureau’s quotes are in line with two industry reviews citing three studies that are separate as talked about within the 2017 last Rule. 98 likewise, a trade relationship stated the income decrease is greater than projected when you look at the 2017 last Rule as the analysis did not account fully for consumers with the ability to repay being not able to show their capability beneath the mandated needs, however the trade relationship failed to cite any proof or offer further information describing this assertion.