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In evaluating the proposal, the Bureau became concerned that a payment-to-income ratio higher than 5 percent might be needed to provide sufficient flexibility to accommodate existing lending programs at many community banks and credit unions.
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An advance organizer is a tool used to introduce the lesson topic and illustrate the relationship between what the students are about to learn and the information they have already learned.
While the sections above outline both the limitations on lending and procedural costs of complying with the major provisions of the proposed rule, the overall impacts of the proposal will depend in part on how and to what extent lenders respond to the major proposed provisions.
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