The Federal Reserve, the central bank of the United States, provides the nation with a safe, flexible, and stable monetary and financial system.
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Proposal under Regulation Z that would require creditors to determine a consumer's ability to repay a mortgage before making the loan and would establish minimum mortgage underwriting standards. The proposal also implements the Act's limits on prepayment penalties.
* The Board has received more than 927 form letters on this proposal that are not being posted. The attached file (PDF) contains examples of the content of ten different form letters.
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