The CFPB and other government agencies are saying that if lenders decide to only fund QM Safe Harbor loans, which will result in less loans being made to minorities and low income families, they won't be in violation of anything. Lenders have been worried that they could be cited for discrimination, even if it's unintentional, if they only seek to provide QM loans, noting that many minorities would not qualify for that status according to recently released statistics.
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