Qualified mortgages : elements and potential effects / Brenda Mills, editor.

Includes index.

Description based on print version record.

Includes bibliographical references and index.

QUALIFIED MORTGAGES: ELEMENTS AND POTENTIAL EFFECTS; QUALIFIED MORTGAGES: ELEMENTS AND POTENTIAL EFFECTS; Library of Congress Cataloging-in-Publication Data; CONTENTS; PREFACE; Chapter 1: MORTGAGE REFORMS: ACTIONS NEEDED TO HELP ASSESS EFFECTS OF NEW REGULATIONS; WHY GAO DID THIS STUDY; WHAT GAO RECOMMENDS; WHAT GAO FOUND; ABBREVIATIONS; BACKGROUND; MORTGAGE MARKET TRENDS GENERALLY CONSISTENT WITH TIGHTER UNDERWRITING STANDARDS IN RECENT YEARS; INITIAL EFFECTS OF MORTGAGE REGULATIONS LIKELY LIMITED FOR MOST BORROWERS; PLANNING FOR REVIEWS OF REGULATION SLACKED KEY ELEMENTS; CONCLUSIONS

RECOMMENDATIONS FOR EXECUTIVE ACTIONAGENCY COMMENTS AND OUR EVALUATION; APPENDIX I: OBJECTIVES, SCOPE, AND METHODOLOGY; APPENDIX II: LIST OF STUDIES REVIEWED; Chapter 2: ABILITY-TO-REPAY AND QUALIFIED MORTGAGE RULE: SMALL ENTITY COMPLIANCE GUIDE; 1. INTRODUCTION; 2. OVERVIEW OF THE ABILITY-TO-REPAY/QUALIFIED MORTGAGE RULE; 3. ABOUT ABILITY TO REPAY; 4. ABOUT QUALIFIED MORTGAGES; 5. REFINANCING FROM NON-STANDARD TO STANDARD LOANS: ATR SPECIAL CIRCUMSTANCE ( 1026.43(D)); 6. PRACTICAL IMPLEMENTATION AND COMPLIANCE CONSIDERATIONS; 7. OTHER RESOURCES; INDEX

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