The present proposition, however, moves into the contrary way, proposing that application charges be unlimited under PAL II because “the Board thinks this can better allow federal credit unions to generally meet the demands of these borrowers whom sign up for really small loans, repay them rapidly, and require extra loans in checksmart loans customer service just a six month duration.”ii PAL I currently permits people to reborrow twice more in a six thirty days duration; motivating a lot more reborrowing that is rapid become precisely the scenario that PAL I’s restriction of three loans per 6 months aims to avoid. Permitting a cost each time additionally multiplies the fee.