Whole Payment Test/Ability-to-Repay Dedication. Timing of Rulemaking jawad_admin2021-08-13T17:14:33+00:00 Whole Payment Test/Ability-to-Repay Dedication. Timing of Rulemaking Under the Proposed guideline, loan providers of Covered Loans could Whole Payment Test/Ability-to-Repay Dedication. Timing of Rulemakingjawad_admin2021-08-13T17:14:33+00:00