![]() ![]() Just quickly drag and drop your files into the program and you can start burning right away. Burn your home movies to share with everyone. Create traditional audio discs or MP3 discs to store your music. ![]() Using warez version, crack, warez passwords, patches, serial numbers, registration codes, key generator, pirate key, keymaker or keygen forĮxpress Burn Plus Edition license key is illegal and prevent future development ofĮxpress Burn Plus Edition. Express Burn can burn Audio CDs, Data CDs, DVDs, and Blu-ray Discs for you Its a free disc-burning tool by NCH Software that enables you to make and record. Express Burn is a burning suite program to create and record discs quickly and easily. Windows 7 Download periodically updates pricing and software information of Express Burn Plus Edition full version from the publisher,īut some information may be out-of-date. Express Burn Plus for OS X can create Mp3 or audio discs to play on any disc-reading device and traditional CD players. However, windows7download reserves the right to remove or refuse to post any submission for any reason. NCH Software Astroburn is disc-burning software for Windows that lets you burn. Registration Code will then be displayed on the next page and will be emailed to you. Express Burn patch notes is the incredible software for burning DVDs and CDs It can also burn Blu-ray prints quickly. The moment you enter the key in the CD burning softwares interface. Seamlessly burn audio to CD to play on your computer, car or home stereo system. Key, nch express burn 4 62 registration code, nch express burn free version, nch express burn activation key, nch express burn disc burning software key generator, nch express burn registration code. You acknowledge that you, not windows7download, are responsible for the contents of your submission. Express Burn Free CD and DVD Burner is a free software for Windows that burns audio, mp3 and data CDs. All Express Burn Plus Edition reviews, submitted ratings and written comments become the sole property of Windows 7 download.
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Isotopes are designated by putting a number on the element's name: i.e., carbon-14, where the 14 means that the number of protons plus neutrons equals 14. The distance between the Earth and the Sun is thus 93 million miles or 8.3 light-minutes, as you wish.Ģ – Isotopes are nuclei with the same number of protons (they are the same element) but with different numbers of neutrons. Astronomers also use light-minutes (the distance light travels in a minute), light-hours, etc. The speed of light is 186,282 mi/sec, so a light-year is (186,282 mi/sec) x (sec/yr) = 5.878 trillion miles. Many people believe that a light-year is a unit of time, but it isn't. The critical difference between newborn stars and planets is this: a planet just cools off after it forms, but a star is so massive that the escalating temperature and pressure at its core ignite nuclear reactions, and it begins producing energy.ġ – A light-year is the distance light travels in one year. The temperature at its core is typically above ten million K°.Ī newborn star is thus a very hot, luminous object – as were the planets in our Solar System, once upon a time, because planets are essentially born from the same collapsing interstellar matter as their parent stars. By the end, it will have shrunk to a few million miles in radius – a volume reduction of some 10 18 times – and its surface temperature will have reached about 4,000 K°. At the start of the collapse, the temperature of the gas cloud is normally very frigid, only a few degrees Kelvin (about -450 F°), and it is initially several light-years across. (The heating effect is quite parallel to what happens inside the piston of a Diesel engine during the compression cycle, if you have any familiarity with automotive mechanics.) About half of the heat is radiated away during the cloud's contraction the other half remains trapped inside the proto-star. This kinetic energy is eventually converted into heat as they begin to strike one another inside the ever-shrinking interstellar cloud. ![]() Similar to Earthly raindrops, they pick up speed as they fall. You can think of them as acting like raindrops falling towards the cloud's center. The atoms in an interstellar cloud are so far apart that they rarely encounter each other during the initial stages of collapse. In this case, we are in the realm of the ultra-tenuous rather than the ultra-compressed. (See Plate 5 for more information on star-forming clouds.) And as always when discussing the stars, the first question is: how will the clouds behave as they are compressed by gravity? However, 10% of a galaxy is still a lot of gas, enough to make about 30 billion Suns, so there is no lack of newborn stars for us to observe. The Milky Way galaxy consists of perhaps 10% gas and 90% stars at this point. Most of the original hydrogen and helium generated by the Big Bang has long ago collapsed into stars. This essentially proves that the Big Bang could not have produced any elements in quantity other than hydrogen and helium, and it also provides powerful verification for the Big Bang itself. The observed abundances of hydrogen and helium isotopes 2 in interstellar clouds have been carefully compared to calculations of which isotopes should have been created in the few hours following the Big Bang, and the agreement is very impressive. Recent precision work using cosmic microwaves places the Big Bang at 13.7 billion years ago. ![]() However, it was so descriptive that it stuck and became the proud name for a whole set of cosmological theories based on the idea that all the mass and energy in the Universe originally exploded out of a quantum fluctuation 10 30 times smaller than a proton. The term "Big Bang" was originally coined as a term of derision by British astronomer Fred Hoyle, who was not an avid believer in apocalyptic cosmic explosions. The hydrogen and helium are remnants of the Big Bang the 1% of "dirt" comes from the stars themselves and we will discuss this interesting bit of self-enrichment later. ![]() The gas in the spiral arm of the Milky Way galaxy where the Earth is located is composed of about 74% hydrogen, 25% helium, and 1% everything else, thus this is approximately the composition of the Sun and also of most newborn stars in our neighborhood. ![]() Interstellar "clouds" would make a very, very good vacuum on Earth but the space around them would make an even better vacuum, so clouds they are. Stars are formed when enormous clouds of gas (light-years 1 in diameter) collapse under their own gravity. ![]() Everything from outboard linking to zooming to variables are included, offering a range of functionality without having to know a single coding principle.Ĭollaboration is also made simple with Justinmind. These are further complemented by the inclusion of web interactions and effects. You have an immense amount of control over how your users will interact with your app by assigning specific responses to varieties of mobile gestures, and these can be altered for each component in your prototype's workflow. A dynamic workflow structure allows you to create prototypes that are effectively linked, so your design team will be able to understand how each component of your app is supposed to interact with each others, and the whole package comes supported with an impressive depth of functions that simulate the effects of web and mobile apps. Their objective is to create prototypes that accurately reflect the demands of your application, and they manage to accomplish this through the inclusion of a number of dynamic effects. The ability to create drag and drop screens is well implemented, but it's only a portion of what Justinmind does. Justinmind integrates with a range of major design programs like Illustrator, Sketch, and Photoshop. Thousands of existing elements are available, mimicking the style and aesthetic of iOS, Android, and web components, simplifying the process of mocking up multiple app variations for multiple devices, and users can create their own custom UI libraries from scratch. The existing templates are highly customizable, so you won't have to worry about your final results looking too close to a competing app. When dealing with a complicated application, this provides you with the means to establish variations on your central theme without having to restart from scratch. These mimic many of the most popular UIs in existence, but the option is also there to create your own template from scratch. The interface uses templates to speed up the process and give designers a place to start. While the final product won't display all the bells and whistles your clients can expect from the finished product, it does allow you to create a pretty robust visualization of the application in action. Justinmind eschews the complications that come from learning how to write code with a more simplistic drag and drop interface. ![]() Justinmind allows designers to create interactive and meaningful prototypes of web and mobile apps so that their development teams have a concrete and visually appealing proof of concept for each project. Communication is key, but the lack of technical expertise on the part of many designers and the need for programmers to have a more structured design to properly realize a vision can make things difficult. Overall Opinion: When creating a new application, the tension between designers and engineers can sometimes seem palpable. ![]() Enjoy! Here's a handy kitchen conversion chart for you!Ĭlick to download and print this kitchen conversion chart.īe sure to also check out my handy Vegan Grocery Shopping List, List of Vegetables A-Z, or 50 Signs You're A Good Cook. Custom Shop - Pack of 12-64 Ounce Graduated Paint Mixing Cups (2 Quarts) - Cups Have Calibrated Mixing Ratios on Side of Cup - Cups Hold 80-Fluid Ounces Epoxy. Want a FREE handy kitchen conversion chart? I've got you covered! This chart will help you with lots of cooking conversions. Use this handy chart to quickly see how to convert US liquid measures. NOTE: All conversions below are in US liquid measures. I'm sure you're still wondering, how many pints in a quart? 1 pint is how many cups? How many quarts in a gallon etc. To get started, here are the usual conversions for liquids:ġ gallon = 4 quarts, 8 pints, 16 cups, 128 fluid ounces, 3.8 litersġ quart = 2 pints, 4 cups, 32 fluid ounces, ¼ gallon, 0.95 litersġ pint = ½ quart, 2 cups, 16 fluid ounces, 0.125 gallon, ⅕ liter (0.47L)ġ cup = 8 oz, 48 teaspoons, 16 tablespoons, ½ pint, ¼ quart, Free conversion printableĬlick to download and print this free gallons/quarts/pints/cups conversion chart. It might also help you to take a look at this guide to the differences between the Metric and Imperial Systems. Whether you're trying to convert water, milk or another liquid, I've got you covered! So, I also have handy guides if you're wondering how many How Many Ounces in a Quart, How Many Ounces In A Pound (oz to lbs), or How Many Ounces in a Gallon. When you're busy cooking, sometimes ounces can be confusing. I've done all the conversions for you just scroll down for charts, printables, and tables! There isn't always a very straightforward answer, but don't worry: Or perhaps you need to know how many cups in a quart of water? The story goes something like this, there once was a kingdom G that had 4 queens. ![]() Draw a big G (for gallons) inside draw four Q ( for quarts) inside of the Q draw two P (for pints) and inside of that draw 2 C (for cups). If you're like me, suddenly you might find that you're racking your brain to remember how many cups in a pint of milk? You should be able to remember by the kingdom of G. So I thought it was time to write up a blog post covering all those confusing conversions! I've spent lots of time looking up the same conversions again and again from my favorite recipes. You're left wondering how to convert cups of water or pints of milk. I know how hard it can be when you're cooking and your favorite recipe is written in Imperial, but you know Metric or vice versa. In this article, we will explore the different liquid measurements that are commonly used in the USA. I've also done all the conversions in a simple table for you, below! When you're cooking and need to convert between cups, pints, quarts, or gallons, it can be a little tricky.īut don't worry, I'll show you the easy way to remember the conversions. Need to convert between Cups, Pints, Quarts or Gallons? Standardized measuring cups are used instead.Wondering how many cups in a quart, cups in a pint or cups in a gallon? Perhaps you're looking for quarts in a gallon or pints in a quart? Here you'll find a full guide with conversion tables and free printables. Actual drinking cups can vary significantly in terms of size and are generally not a good representation of this unit. customary teaspoons.Ĭurrent use: The cup is typically used in cooking to measure liquids and bulk foods, often within the context of serving sizes. One United States customary cup is equal to 236.5882365 milliliters as well as 1/16 U.S. The metric cup is defined as 250 milliliters. Cup (US)ĭefinition: A cup is a unit of volume in the imperial and United States customary systems of measurement. This same definition was used for the imperial quart up until 1824 when the UK re-defined the imperial gallon.Ĭurrent use: The respective versions of the quart are used mainly in the United States and the United Kingdom, though in the UK, the use of the liter is now mandated as a result of metrication. The current definition of the US quart is based on the English wine gallon. History/origin: The quart is based on the gallon, the definition of which has changed throughout history based on the commodity being referenced. In both the UK and the US, the quart is equal to ¼ of its respective gallon. ![]() In the UK, the imperial quart is equal to 1.136523. In the US, a liquid quart is equal to approximately 0.946353 liters and a dry quart is equal to approximately 1.101221 liters. Definition: The quart (symbol: qt) is a unit of volume in the United States customary and imperial systems of measurement. ![]() Riding the invisible Yoshi makes the player virtually invincible, as getting hit does not make the player get off of Yoshi like it normally would. Yoshi also hatches twice as quickly as normal when the glitch is done correctly. Also, in Yoshi's Island 2, if the player jumps and hits the ? Block containing Yoshi at the same time as hitting the ? Block with a shell, an invisible Yoshi will be spawned along with Yoshi. If the player falls into an abyss and waits until Mario and Yoshi disappear while jumping, he is riding on an invisible Yoshi. When the Yoshi falls into an abyss, the other one appears. In the level Chocolate Island 5, if Mario/Luigi grabs the two Switch Blocks (how to do it can be read here) and bash the Yoshi block with it, the block creates two Yoshis, but only one appears. This glitch was fixed in all remakes, but remains in the Virtual Console versions. Most of the time when attempting the initial glitch, due to programming quirks, the game may crash ( Time Limit does not count down anymore) while the music still plays, likely displaying glitchy graphics. Collecting the item in a Switch Palace without hitting the ! Switch will clear the level but render the unlockable ! Blocks permanently lost. Once collected, it triggers the level clear script, even in unclearable levels, such as Yoshi's House. Depending on the level, it can show up as many things when dropped with, including a Magic Ball, a green Bony Beetle, a green Cheep Cheep, a red Princess Toadstool head, or a glitchy sprite not resembling anything, floating in midair. Chargin' Chucks aren't supposed to be eaten, so the game won't know what to do with it, thus assuming it is a "powerup" while placing a glitchy item (with the appearance of a jumbled Beach Koopa) in the player's Item Stock. ![]() ![]() Since nothing will be in his mouth, the game places the nearby Chargin' Chuck in Yoshi's mouth. On the part with the Jumping Piranha Plant and a Rex near the Giant Gate, Mario or Luigi must shoot the Rex with a fireball ( ), Yoshi must stick out his tongue to grab the coin generated ( ), and Mario/Luigi must collect the coin while on Yoshi's tongue ( ). In Yoshi's Island 1, the player must have Yoshi and Fire power. The glitch was fixed in the Super Mario World: Super Mario Advance 2 remake, as the music does not speed up should the player attempt to try this glitch. However, as the music speed modulator overflows the 21st time it gets modified, it overflows, slowing down the music drastically. For a hacked ROM, the music has been discovered to speed up to 20 times. ![]() If timed correctly, the player can eat all nine Green Berries, each when the Timer is somewhere between 80 and 99 seconds, and it increases the music speed up to 10 times, making it very fast. However, on Funky, where the Green Berries appear, the player is given 20 extra seconds for each berry eaten by Yoshi. Usually this can only happen once in a given level. Music speed increases when the Timer reaches 99, warning the player of the time limitation.
Note: You won’t have to remember your App Password since you’ll probably use it just once to connect your account to the app. The App Password is the 16-character code in the yellow bar on your device. Follow the instructions to enter the App Password. Click Select device and choose the device you’re using.Ħ. Click on Select app and pick the app you’re using.Ĥ. You’ve turned on Advanced Protection for your account.ģ.Your account is used through work, school, or another organization.Two-step verification is set up for security keys only.Two-step verification is not set up for your Google account.If you don’t see this option, it might mean that: On the Signing in to Google tab, select App Passwords. Go to your Google Account and choose Security on the left panel.Ģ. Here’s a quick tutorial on how to create an app specific password:ġ. If you don’t have two factor authentication enabled, you can skip the instructions given below. ![]() An app specific password allows the blocked app or device to access your mail account. Some secure apps can be blocked from accessing your mail account due to two-step verification. If you use 2-step verification on your Google account and your mail client doesn’t support verification codes, you’ll have to enable App Passwords before configuring the Google SMTP server settings. Note: Before configuring Google’s SMTP server, you need to follow these steps if you have two-step verification enabled on your Google email account: a. Now let’s get started… The Gmail SMTP Server Method Most importantly, it helps you keep your personal Gmail address private. It allows you to send Gmail messages from your business ID and even test emails to yourself. This method also provides the same level of security as the Google Workspace method.Īdditionally, it lets you forward emails through a Gmail alias if you’ve set one up.Ī Gmail alias is a forwarding address that lets you disguise your personal email address.įor example, could be an alias for to receive queries about their business. It lets you send mail to anyone within or outside your organization - you only need to set up the SMTP authentication with your Gmail inbox ID and password. Plus, the Google SMTP server setting won’t restrict your emails to people using your organization’s IP address. With the Gmail SMTP service, you won’t have to worry about spending on a subscription plan. Gmail’s SMTP server method is the most accessible one out of the three - which is precisely why we’re covering this method. Why Should You Use the Gmail SMTP Server Method? Note: If you don’t know what SMTP is, you can skip ahead to understand what it is and how it works before setting up SMTP in Gmail.
![]() So, to make your computer run as good as a new one, use CCleaner. In fact, it's probably the first name that comes to anyone's mind when thinking of PC cleaning software. Also, why not buy it at the price of one software of Duplicate File Finder and Remover and get so many other perks? It has a free version and even the paid version is very reasonably priced. This is because with CCleaner, not only can you effectively remove junk or duplicate files, but it also has a range of useful tools for cleaning, security, and memory optimization. ![]() Price: Free Trial Available | Home Edition $29.95 1 PC/yr | Professional Edition $49.95 3 PCs/yr | Professional Plus Edition $79.95 3 PCs/2yrsĪfter testing and summarizing more than 30 third-party software that can remove duplicate files, CCleaner is our #1 pick. What duplicate file finder and remover is best for me? Tag extraction, SmartMark technology, analysis of compressed folders Selection assistant, ignoring zero-size files, scans ZIP to find duplicates Keyword-based filters, dedicated music mode, detection of similar files Selection assistant, cloud platform support, protected folders tab ![]() exe filesįile renaming, export options, disabling of folders for self scan Registry cleaner, software uninstaller, quick recovery of deleted filesĭetectipn of zero-sized duplicates, group-based organization, file exclusionĬomparison mode, one-click duplicate removal, deletes duplicates from cloud storageįile exclusion, cloud support, auto mark option Quick Comparison of the Top Duplicate File Finders and Removers Whether you are buying cheap domestic products, international luxury goods, or buying mobile phones, computers, refrigerators, washing machines, clothes, shoes, bags, mother and baby products, snacks, drinks, or booking air tickets, hotels, car rentals, or registering services and memberships, you can save money on all related purchases - save $1,000 a year! Sign-Up Bonus: Join for FREE & Earn $20 Welcome Bonus today! Then earn $5 Friend Referral Bonus! Just sign up for an Extrabux account and earn exciting cash back every time you place an order via the relevant link. ![]() Such a high amount of cash back comes from Extrabux ( What is Extrabux ?), it also offers coupon codes and recent promotions, and brings together 10,000+ sites (US, China, UK, Japan, Australia, Germany, France, Italy, etc.). In fact, you can save up to 100% on online shopping at home and abroad! No matter which of the Best Duplicate Photo Finder is right for you, you can get a free trial or a free version. Then we recommend the top 10 of these duplicate file removers that are best suited for all classes of users who have set efficiency as a priority. To help you choose the best duplicate file finder, we have tested the 30 most famous duplicate file remover tools of 2023 under different parameters like price, user interface, performance, speed, etc. What are the best duplicate file finder and remover for Windows 11, 10, 8, 7 in 2023?įinding out the best duplicate file remover software can be challenging if you have less or no knowledge of it. With the best duplicate file remover software utility to clean duplicates, you can get rid of duplicate files quickly. Find similar files and exact duplicates using the powerful duplicate management tools. There is a technique to find duplicate files using the tools instead of following the manual search and scorch in the local storage. So, if you want to save time and have a cleaner PC , We recommend checking out the best third-party apps below. However, you can also manually look for duplicate files by searching and deleting them one by one (via Windows Explorer). But, there are apps that you can find on the Windows store that can help clean duplicate files. There’s no official Windows app or tool that you can use to scan for duplicate files and clean them. Windows 11 doesn’t have a dedicated duplicate file finder. Does Windows 11 have a duplicate file finder? ![]() That is how impressive the game’s visuals are. Compared to other games, this one has more lifelike fighting animation. Fantastic Sounds Quality & HD GraphicsĪ 2D game called Anger of Stick 5 has very well-done cartoon graphics. This implies that to keep up you must constantly increase your arsenal. Naturally, as you progress through these levels, the difficulty rises. There are 60 stages to finish in the solo mode. ![]() There is a single mode and survivor mode in Anger of Stick 5. EXPs, which you earn by killing lots of zombies, are used to advance levels. You can level up your equipment in this Rpg to aid in killing more zombies. This implies that your allies will keep an eye on your back. Three of them can offer you help at the exact moment! The advantages of doing this over going it alone are immeasurable. You can locate up to 6 buddies to assist you in defeating the undead in Anger of Stick 5. It’s not just your job to save the world. In this game, you can purchase weapons like knives and pistols to help you fight zombies more quickly. It was now up to you and your allies to prevent the destruction of humanity.Ĭan you manage it? You will control a stickman hero in Anger of Stick 5 Mod Apk capable of impressive martial arts maneuvers and skills. The game begins with weird characters appearing out of nowhere in the city and converting citizens into test subjects! Now that many humans have been transformed into zombies. A fantastic game called Anger of Stick 5 apk lets you play as a stick figure and battle zombies! Apart from that, this game offers a wide range of options. The engineer is fixing a leak, or something else, and the weight of the water is just too much. Just then, the reactor can’t take it anymore. I’m just the mechanic- I should be welding… Mine is who will take my place: If I let go of the wheel, we sink. I’m shouting, and attempting to override the others- but we’re all new to the ship. That we’re so close, the survey site is just a hundred meters up. I’m shouting that I’m compensating for the water leaking in, pushing the engines hard. All shouting, all relevant, all urgent, and yet… But someone else needs a diving suit to get access to more diving suits. ![]() Someone needs a diving suit to fix a leak. Right, and again.Ĭrewmen shouting, attempting to give directions, find supplies or tools. The captain told me that the Navies of old Earth used to say there are two ways of doing things. The following events are inspired by, or were experienced during, gameplay of the early access co-op survival game Barotrauma:Įxcerpts from a log discovered near the wreck of the Nikolaistad This is not a realistic-looking, realistic-playing simulation recreation down to the bolts of an Akula or Seawolf of our world history: these submarines ply their trade in the 2-dimensional alien waters of Jupiter’s moon Europa… and have more than torpedoes to worry about. While Barotrauma is marketed as a submarine simulator, or sub-sim, most fans of that particular subgenre may find more common ground in damage control games like FTL. The player is placed in a crew attending a sci-fi submarine. ![]() I humbly submit that Barotrauma is a trouble simulator. Picture: screenshot from Barotrauma (PC), taken by the author. ![]() A standard or prime rate loan must carry an annual percentage rate (APR) that does not exceed the average prime offer rate for a comparable transaction as set by the CFPB by 150 basis points for a first lien transaction or, in the case of a subordinate lien transaction, it must carry an APR that does not exceed the average prime rate offer for a comparable transaction by 350 basis points. Standard or Prime Rate Loan Safe Harbor Presumptionįor standard or prime rate loans that satisfy the qualified-mortgage criteria, the Final Rule establishes a presumptive safe harbor that the lender satisfied the ability-to-repay requirements. The Final Rule, in effect, distinguishes the lender’s liability protection based upon whether the loan is a “standard or prime” rate loan or if it constitutes a “higher priced” loan. If a mortgage satisfies the qualified-mortgage criteria, the Final Rule establishes either a safe harbor for potential lender liability based upon claims that the lender failed to satisfy the ability-to-repay requirements or a rebuttable presumption that the requirements have been met by the lender. Qualified Mortgage Lender Liability Protections the loan term must not exceed 30 years.the loan may not contain features that provide for interest-only payments, negative-amortization payments where the principal amount increases, or balloon payments ( subject to limited exceptions) and.the borrower’s debt to income ratio may not be greater than 43 percent ( subject to limited exceptions).for loans exceeding $100,000, the total points and fees may not exceed 3 percent of the total loan amount ( subject to limited exceptions).periodic payments must generally be substantially equal and result in a reduction of principal.the loan monthly payments are calculated on the highest payment that will apply during the first five years of the loan term (for adjustable-rate mortgages, the monthly payments are calculated using the fully-indexed rate or an introductory rate, whichever is higher).the borrower’s income or assets must be verified and documented.Under the Final Rule, a residential loan will be considered as a qualified mortgage if each of the following criteria are met: The ability-to-repay criteria apply to any consumer loan transaction secured by dwelling other than HELOCs, timeshare loans, reverse mortgages and temporary loans (e.g., construction loans) with a term of 12 months or less. ![]() ![]() These new required ability-to-repay lender determinations, when coupled with the verification requirements, will effectively end the use of “no document” and “low document” mortgage loans. The information and other evidence compiled by lenders in making these determinations must be maintained for three years after making a mortgage or dwelling loan. Lenders are expected to use reasonably reliable third-party records in order to verify the information they use to make an ability-to-repay determination. monthly debt-to-income ratio or residual income and.current other debt, alimony and child support obligations.monthly payments for mortgage-related obligations, such as property taxes and insurance.the monthly payment on any simultaneous loan, such as a home equity line of credit (HELOC).the calculated monthly payment on the mortgage or dwelling secured loan, assuming that the loan will be repaid in substantially equal monthly payments during its term.current or reasonably anticipated income and assets.A lender will, in effect, be responsible for making loans that borrowers can repay.Īt a minimum, the following factors must be evaluated by the lender when determining a borrower’s ability to repay: Instead, it describes eight factors that lenders must consider and verify in order to make an ability-to-repay determination. The Final Rule does not dictate any particular loan underwriting standards that lenders or creditors must follow when making a mortgage or loan secured by a dwelling. The Final Rule will go into effect on January 10, 2014. Under the rule, lenders are required to make a good faith determination that the borrower has the ability to repay the loan prior to making a mortgage or dwelling secured loan.Īs mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank), the rule also provides that if a lender makes a “qualified mortgage” (as defined in the rule), the lender will receive special protection from liability if the borrower contests the lender’s compliance with the ability-to-repay determination requirements. On Thursday, January 10, 2013, the Consumer Financial Protection Bureau (CFPB) released its Final Rule setting forth new “ability-to-repay” determination requirements that will appy to traditional residential mortgages and any other consumer credit transaction secured by a dwelling. |
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