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Section step three. A creditor may not make a leading-rates mortgage loan mortgage without basic choosing certification off a counselor which have a third-cluster nonprofit company approved by the United states Institution of Casing and Urban Invention, a houses funding institution associated with condition, and/or regulatory company with legislation over the collector, your borrower has had counseling toward advisability of financing deal. The new commissioner shall maintain a summary of recognized guidance software. A high pricing home loan mortgage originated by a lender in the violation associated with the section should not be enforceable. From the otherwise ahead of closure a leading costs home mortgage loan, the lending company should obtain research your borrower have complete an acknowledged counseling program. (далее…)