Reg Z ATR – General ATR Standard and DTI

Compliance > Regulation Z - TILA > Ability to Repay / Qualified Mortgages
Q:  Do loans originated under the general ATR standard have to comply with a debt-to-income (DTI) threshold?
 
A:  The general ATR standard requires creditors to consider DTI or residual income, but does not contain specific DTI or residual income thresholds.
 
 
 
ADDITIONAL INFORMATION – CFPB ATR/QM Compliance Guide - http://files.consumerfinance.gov/f/201603_cfpb_atr-qm_small-entity-compliance-guide.pdf
 
 
 

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