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(A) Delinquent for a period of 120 consecutive days or more during the 12-month period for which the portfolio default rate is being calculated; or
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The Bureau estimates that this would require two minutes per loan.
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) Specifically, the Bureau requests comment on whether there currently exist sufficient norms around the levels of such factors that are and are not consistent with a consumer's ability to repay, such that a requirement for a lender to “consider” such factors would provide adequate consumer protection, as well as adequate certainty for lenders regarding what determinations of ability to repay would and would not reflect sufficient consideration of those factors.
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05 November 2015
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09 November 2015
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28 February 2016
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