WASHINGTON — Lenders would be barred from making loans withoutregard to a borrower's income and could not penalize people who paytheir loans off early, according to regulations the Federal Reserveplans to issue next week.

Federal Reserve Chairman Ben S. Bernanke unveiled some of therules, which also include making sure lenders ensure that borrowersset aside money to pay for taxes and insurance, during a speech atan FDIC conference on mortgage lending.

While the rules would not apply retroactively, they are aimed atensuring that there is not a repeat of the subprime loan crisis, inwhich people took out loans for more than they could pay and someborrowers gave loans to people whom they were not sure would beable to afford to repay them.

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