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?
To be a Small Creditor QM, must the loan be made in a rural or under served area?
What questions do loan portfolio metrics help to answer?
Does the final rule retain the "one rating" concept from the proposal?