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Lenders making loans using the ATR approach would need to comply with several procedural requirements when originating loans.
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The Bureau solicits comment on whether there are other specific items of information it should require as part of an application.
Registered systems would also be well-positioned to offer lenders supplemental services, for instance in providing assistance with determining consumers' ability to repay.
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The Bureau solicits comment on the proposed standards for an origination fee to be a reasonable proportion of the lender's costs of underwriting.
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