Repossessions: 11.3.2.2.1 Acceleration treated as prepayment in computing rebates
The total of payments for a precomputed credit transaction (one in which the contract obliges the consumer to pay the total of payments, that is, the amount financed plus all the finance charges for the full term of the loan, as opposed to an interest-bearing transaction, which is one in which the consumer is required to pay the amount financed plus interest earned from time to time on the unpaid balance65) includes interest payments over the full term.