They require the banks to acknowledge in writing a refinancing application within three business days, notify the borrower of any missing documents within five days and make a decision on a complete application within 30 days.

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In particular, the card company must notify card holders 45 days prior to changes in interest rates.

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Under federal law, the Pentagon is obligated to notify Congress of furloughs 45 days before they go into effect, and the workers 30 days before they are furloughed.

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