A lender can reasonably assume the borrower has the ability to repay a high cost loan if the borrower's scheduled monthly payments on the loan, combined with the scheduled payments for all other debts, do not exceed of the borrower's documented and verified gross monthly income. 55% 36% 43% 28%

There are three key entities in thefederal reserve system: the  board  of governors, the  federal reserve banks(reserve banks), and the  federal  open market committee (fomc). while the  federal reserve  has frequent communication with executive branch and congressional officials, its decisions are made independently.

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