Fed proposes mortgage rules to protect borrowers
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Lenders will have to confirm that a borrower can afford a mortgage before making a loan under protections proposed by the Federal Reserve on Tuesday, following defaults and losses on U.S. subprime mortgages this year.
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Financial market turbulence leading to tighter mortgage lending standards noticeably hurt housing activity in most Federal Reserve districts in recent weeks, adding uncertainty about the recovery of the downtrodden housing sector, the Fed said on Wednesday.
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A federal regulator yesterday suggested that a measure that would allow Fannie Mae and Freddie Mac to take on jumbo mortgages could divert loan money from less expensive housing.
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The nation's central bank gave a laundry list of proposals to prevent future unsavory lending practices.
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Mortgage products aren't the problem. Borrowers are.
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The Fed's proposals to halt deceptive home lending could turn the Congress loose.
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The Federal Reserve Board and other federal and state regulators announced plans yesterday to review the practices of lenders who are significant players in the troubled subprime home mortgage market, which typically caters to borrowers with blemished credit.
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The chairman of the U.S. House of  Representatives Financial Services Committee will this year  scrutinize the mortgage lending industry and draft new consumer  protections for credit card holders, he said on Friday.
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Fannie Mae and Freddie Mac will have to increase their funding of mortgages for low- and moderate-income home buyers, under a new rule the Department of Housing and Urban Development announced yesterday.
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The new rules would force companies to show that customers can realistically afford their mortgages.
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Federal regulators proposed guidelines Wednesday on the amount of commercial real estate loans that banks can hold without drawing further oversight.
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U.S. bank regulators issued new  standards for subprime mortgage lending Friday that includes  several new consumer protections.
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U.S. state officials plan to issue guidance next week to tighten subprime mortgage lending by brokers and originators not regulated by the federal government, the Conference of State Bank Supervisors said on Friday.
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Home foreclosures have set a record in the face of a Fed request to avoid taking homes.
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People taking out home mortgages may gain new protections soon against shady lending practices as the Federal Reserve seeks to back even the riskiest borrowers, already hit hardest by the housing and credit crunches.
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WASHINGTON -- Federal Reserve Chairman Ben Bernanke offered lawmakers fresh assurances on Thursday that regulators are taking steps to better protect would-be homeowners from abusive mortgage practices.
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The Federal Reserve will team with state regulators to police subprime-mortgage lenders and brokers, bridging a gap in oversight that helped fuel record defaults on homes bought by borrowers with weak credit.