| http://www.w3.org/ns/prov#value | - Similarly, the rule could specify that for each point paid by the consumer in discount points and origination points or fees (where fees would be converted to points), the consumer must receive a reduction in the interest rate of at least a certain portion of a percentage point, e.g.,.125 of a percentage point, compared to the interest rate that is applicable to the loan that does not include disc
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