; and (2) may analyze internal or external data sources, including consumer deposit account activity, to assess the creditworthiness of a consumer. (d) Rule of construction Nothing in this title may be construed to prohibit a covered entity from offering a small-dollar product that does not comply with the safe harbor requirements set forth under this section. (e) Additional limitations and requirements (1) Balloon payments No payment required in association with a small-dollar credit product offered by a covered entity may be greater than double the amount of any other payment required in association with such product. (2) Disclosures Each covered entity that offers a small-dollar credit product shall comply with all disclosure requirements set forth by this title. (3) Penalties and fees A covered entity may not impose any prepayment penalty, overdraft fee, or nonsufficient funds fee in connection with a small-dollar credit product. (4) Transfer of amounts Amounts made available to a consumer through a small-dollar credit product offered by a covered entity shall be disbursed to the account of such consumer by such covered entity not later than 5 days after the approval of the consumer for the small-dollar credit product. (f) Definitions In this section: (1) Covered entity The term covered entity means— (A) an insured depository institution; (B) an insured credit union; (C) a third-party with whom an insured depository institution has contracted for products or services related to origination, servicing, or administrative management of a small-dollar credit product