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January 11, 2019

CFPB Report Raises Questions about Non-QMs, DTIs, Servicing and More

By Brandon Ivey and Yemeng Yang

The CFPB determined the ATR rule has reduced lending to some extent to borrowers with high debt-to-income ratios…

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Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.
Time for a change. Borrowers are different today.
Undecided, still assessing the situation.

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