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<p>Treasury Ministers and officials meet with a range of stakeholders to discuss relevant
policy issues.</p><p> </p><p>In making mortgage lending decisions, lenders must follow
the appropriate regulatory and legislative requirements. Beyond this, decisions about
who they lend to and on what terms are a commercial matter, including how they use
information about existing or previous credit commitments.</p><p> </p><p> </p><p>Credit
risk models and approaches vary between lenders, so while a history of payday loans
may prevent a borrower taking out a loan with one lender, others may take a different
approach.</p>
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