WASHINGTON — Lenders would be barred from making loans without regard to a borrower’s income and could not penalize people who pay their loans off early, according to regulations the Federal Reserve plans to issue next week.

Federal Reserve Chairman Ben S. Bernanke unveiled some of the rules, which also include making sure lenders ensure that borrowers set aside money to pay for taxes and insurance, during a speech at an FDIC conference on mortgage lending.

While the rules would not apply retroactively, they are aimed at ensuring that there is not a repeat of the subprime loan crisis, in which people took out loans for more than they could pay and some borrowers gave loans to people whom they were not sure would be able to afford to repay them.

Bernanke also said the Fed may give some of the larger Wall Street investment banks more time to apply for loans from its emergency loan program.