You say that "In reference to payday lending, it generally means when the lendee continues their loan out without paying it off – generally for a fee. On a $200 loan, the fee on average is about $30, according to Groff. That’s generally included under a single umbrella by the CFPB as a “continuous loan.” Also under that umbrella is a consumer who gets a loan, pays it back, and takes a new loan shortly thereafter." I'd love to see the CFPB taking this position, can you point me to any documents where the CFPB defines "continuous loan"?