To be a Small Creditor QM, must the loan be made in a rural or under served area?
If credit is denied because of issues related to only one applicant, for example a charge-off, can we disclose that reason to both applicants, and do both applicants get an Adverse Action Notice?
Does the final rule only apply to national banks?
What questions do loan portfolio metrics help to answer?
Does the final rule retain the "one rating" concept from the proposal?