Guidelines for National Banks to Guard against Predatory and Abusive Lending Practices""AL-2003-2 says that refusing to purchase the following types of loans can reduce the possibility of purchasing abusive mortgage loans EXCEPT:
A. Loans in which the lender has not adequately determined the borrower"™s ability to repay the debt
B. Loans subject to the Home Ownership and Equity Protection Act (HOEPA)
C. Loans with points and fees in excess of 5 percent of the loan amount, except in cases where the higher amount was to prevent the loan from being unprofitable
D. Loans in which a prepaid multiple-premium credit insurance policy was included in the amount financed
Guidelines for National Banks to Guard against Predatory and Abusive Lending Practices""AL-2003-2 says that refusing to
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