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U.S. RMBS Qualified and Non-Qualified Mortgage Criteria

Published Mar 31, 2015

19 pages (10258 words) — Published Mar 31, 2015

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Brief Excerpt:

...This report details Fitch Ratings' criteria for analyzing residential mortgage-backed securities (RMBS) under the Ability-to-Repay (ATR) and Qualified Mortgage (QM) Rule (the Rule) that the Bureau of Consumer Financial Protection (CFPB) recently adopted as part of its amendments to Regulation Z under the Truth in Lending Act. The Rule requires lenders to consider the consumer's ability to repay the loan and provides guidelines and a safe harbor with respect to that requirement. The CFPB's new standards became effective for mortgage applications received by Jan. 10, 2014. This report should be read in conjunction with the Related Criteria noted on the left....

Report Type:

Rating Criteria

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MLA:	Fitch Research. "U.S. RMBS Qualified and Non-Qualified Mortgage Criteria" Mar 31, 2015. Alacra Store. May 15, 2025. <http://www.alacrastore.com/fitch-credit-research/U-S-RMBS-Qualified-and-Non-Qualified-Mortgage-Criteria-863837_report_frame>

APA:	Fitch Research. (). U.S. RMBS Qualified and Non-Qualified Mortgage Criteria Mar 31, 2015. New York, NY: Alacra Store. Retrieved May 15, 2025 from <http://www.alacrastore.com/fitch-credit-research/U-S-RMBS-Qualified-and-Non-Qualified-Mortgage-Criteria-863837_report_frame>

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