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The Consumer Financial Protection Bureau on Wednesday issued an amended final qualified mortgage rule that provides new exemptions for small lenders.

In its amended rule, the CFPB will allow lenders with fewer than $2 billion in assets that originate 500 or fewer first mortgages to count the loans as qualified mortgages even if the borrower’s debt-to-income ratio exceeds 43%, provided the institution keeps the mortgages on its books.

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