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In the presence of upfront finance charges (i.e., lender's fees), early repayment of the loan balance by the borrower has what effect on the APR

In the presence of upfront finance charges (i.e., lender's fees), early repayment of the loan balance by the borrower has what effect on the APR as mandated by the Truth-in-Lending Act?

A) Truth-in-Lending APR increases

B) No change in Truth-in-Lending APR

C) Truth-in-Lending APR decreases

D) It depends on whether the loan has a pre-payment penalty

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