| http://www.w3.org/ns/prov#value | - These ability-to-repay requirements apply to any consumer credit transaction secured by a dwelling, except a home equity line of credit subject to 12 C.F.R. ?? 226.5b (i.e., an open-end credit plan), a timeshare plan, a reverse mortgage, or any temporary or bridge loan with a term of 12 months or less.
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