; or (2) any damages or other monetary relief through a private right of action brought under this title. (b) Product structure requirements (1) In the case of an installment loan If a small-dollar credit product is structured by a covered entity as an installment loan— (A) the repayment term shall be more than 45 days; (B) payments shall be fully amortized across more than one payment; (C) rollovers into new small-dollar credit products shall be prohibited; and (D) the covered entity may not issue any small-dollar credit product to a consumer if such consumer has a small-dollar credit product open with such covered entity at the time such consumer applies for a small-dollar credit product. (2) In the case of a line of credit If a small-dollar credit product is structured by a covered entity as a line of credit— (A) the repayment term for each draw shall be more than 45 days unless a single payment is used and the draw is not more than 10 percent of the lesser of $3,500 or 20 percent of the total amount of a consumer’s average monthly direct deposits during the preceding six months; and (B) payments for each draw shall be fully amortized across more than one payment, except in the case of any single-payment loans. (3) Rules of construction (A) In general Nothing in this subsection may be construed to prohibit the Bureau, a Federal banking agency, or the National Credit Union Administration from issuing a cease-and-desist order or restitution order under this title against a covered entity. (B) Enforcement of other statutes Nothing in this subsection may be construed to prohibit the Bureau, a Federal banking agency, or the National Credit Union Administration from enforcing any provision of law not contained within this title against a covered entity. (c) Underwriting requirements When considering whether to offer a small-dollar credit product to a specific consumer, a covered entity— (1) shall use sound underwriting processes