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The Consumer Financial Protection Bureau announced the rule in December, estimating it would save consumers $5 billion a year and give them more transparent and safer lines of credit.

Other borrowing rates, including averages for credit cards, auto loans and home equity lines of credit, all of which are at more-than-two-decade highs, have changed little recently and are likely to move down only gradually.

Ampla has also tightened or frozen clients’ lines of credit and told many customers to find other lenders, leaving them in the lurch, according to half a dozen former and current clients.

Earlier this month, the couple took out a $96,000 line of credit on their home, according to public lending records.

To that end, Cohen established a bank account for Essential Consultants LLC, an entity he created in October 2016 and funded from his home equity line of credit at First Republic Bank.