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Expenses included in the proposed definition are roughly analogous to those included in total monthly debt obligations for calculating monthly debt-to-income ratio and monthly residual income under the Bureau's ability-to-repay requirements for certain residential mortgage loans.


home buyers, the Federal Housing Administration

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Credit providers (including banks, building societies, utility companies and telecommunications carriers) provide information about individuals

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Nonconfirmable income, common among self-employed or commission-based employees, forces lenders to use an estimate of your income, based on the average income typical of your employment.

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