Luật vay thế chấp liên bangCâu 44 / 400
Under ECOA, when a lender uses the borrower's application to make a mortgage loan decision, it may consider income from part-time employment or public assistance:
a.Only if it comes from full-time work
b.As long as the income is likely to continue, and it may not be discounted merely because of its source
c.Never, because such income is unreliable
d.Only for government-backed loans
Giải thích
ECOA requires that reliable income not be discounted simply because it comes from part-time work, public assistance, alimony, or similar sources; the key question is whether the income is likely to continue. A lender may not refuse to count such income solely due to its source. It is not limited to full-time work or government-backed loans.
Trích dẫn luật: ECOA / Regulation BLuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
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