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Between 1970 and 2010, the average annual rate of growth of per capita national income ranged from 1.
For example, as discussed below with regard to the alternative considered, the Bureau seeks comment on whether such an alternative should include a maximum payment-to-income ratio; the Bureau also seeks comment on whether such an alternative should include a maximum duration, minimum number of payments, amortization requirement, limitation on prepayment penalties and collections mechanisms, limitation on permissible cost structure, borrowing history conditions, or minimum underwriting requirements.
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