| http://www.w3.org/ns/prov#value | - Institutions must now report the rate spread between the annual percentage rate (APR) and the average prime offer rate for a comparable transaction as of the date the interest rate is set, if the spread is equal to or greater than 1.5 percentage points for first-lien loans, or equal to or greater than 3.5 percentage points for subordinate-lien loans.Another change involves Home Mortgage Disclosure
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