one. Authorities benefits. In verifying a buyer's earnings, a creditor may make use of a created or electronic record from a authorities agency of the quantity of any advantage payments or awards, for instance a “proof of cash flow letter” issued by the Social Protection Administration (also called a “spending plan letter,” “benefits lett
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C. Every one of the considerations detailed in paragraphs (A) and (B) above may very well be pertinent as to whether a creditor's means-to-repay determination was realistic As well as in fantastic religion. Even so, these things to consider usually are not requirements or prohibitions with which creditors will have to comply, nor are they features