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Also during outreach, some stakeholders suggested that the Bureau should adopt underwriting rules of thumb—for example, a maximum payment-to-income ratio—to either presumptively or conclusively demonstrate compliance with the rule.
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Equity A homeowner's interest in the property, determined by subtracting the loan balance from the appraisal
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Record retention necessary to prove compliance with a rule is a common requirement across many of the Bureau's rules.
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