首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
公务员
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.Reverse mortgages,which
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.Reverse mortgages,which
admin
2020-02-28
81
问题
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.Reverse mortgages,which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die,have long been said with problems.Now,federal and state regulators are documenting new instances of abuse as smaller mortgage brokers,including former sub-prime lenders,flood the market after the recent exit of big banks and as defaults on the loans hit record highs.
Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them,without mentioning the property taxes and maintenance.Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things,without clearly explaining the risks.Some widows were pressured not to have their names on the contract,without being told that they could be left facing foreclosure after their husbands died.
Now,as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings,the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders.More than 775,000 of such loans are outstanding,according to the federal government.
Concerns about the multi-billion dollar reverse mortgages market echo those raised in the lead up to the financial crisis when consumers were marketed loans——often carrying hidden risks——that they could not afford.“There are many of the same red flags,including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability,”sad Loft Swanson,the Minnesota attorney general,who is working on reforming the reverse mortgage market.
Which is true about the new rules from Consumer Financial Protection Bureau?
选项
A、The rules are good for lenders while bad for borrowers.
B、The rules will help baby boomer seniors to save money.
C、The rules will help consumers better understand reverse mortgage.
D、The rules will be stricter for consumers.
答案
C
解析
细节题。根据第三段第一句后半部分“the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders.”可知,C项“这些规定将帮助消费者更好地理解反向抵押贷款”为正确答案。A项表达与文中相反,应该是“这些规则对借款人有利,对贷款人不利”。B项原文未提及。D项“这些规定将对消费者更加严格”表述有误,应该是对“贷款人”更严格,因此错误。故本题选C。
转载请注明原文地址:https://kaotiyun.com/show/2GjY777K
本试题收录于:
银保监财经类题库国家公务员分类
0
银保监财经类
国家公务员
相关试题推荐
2020年上半年,我国农产品进出口总额达1159.0亿美元。农产品进口额为807.5亿美元,同比增长13.2%。受新冠肺炎疫情影响,我国农产品出口额同比下降3.8%,为351.5亿元。 在我国的农产品进口中,除大洋洲农产品进口额同比下降1.9个百分点外
快递企业在激烈的市场竞争中会被迫大幅下调收费单价,而特色快递企业能够避免卷入激烈的市场竞争。快递员都愿意在收费单价高的快递企业工作,但某国的快速员并没有为特色快递企业工作的强烈愿望。由此可以推断:
调查研究显示,相较传统的农业生产方式,有机农业生产出的农作物产量会有一定程度的下降。但现在仍然有越来越多的农民从传统农业转向有机农业,甚至花费资金,添置用于有机农业耕作的农用设备。以下选项如果为真,最能解释上述现象的是:
文化挪用是指将本不属于本地的异域或其他民族的文化资源借用过来,从而对本地的文化形成影响,创造出新的文化产品的现象。 根据上述定义,下列属于文化挪用的是:
①当泰勒斯面对宇宙万物说:“一切来自于水,也复归于水”的时候,他不再被眼中的万事万物所迷惑,而是达到了和本原同一的境界,这种境界是一种超然物外、自由安宁的崇高境界 ②在遥远的古希腊城邦中,哲学是一种生活方式,而不是单纯的理论或者学问 ③他相信依靠数
根据我国法律规定,下列表述正确的是:
“十四五”时期是我国全面建成小康社会、实现第一个百年奋斗目标之后,乘势而上开启全面建设社会主义现代化国家新征程、向第二个百年奋斗目标进军的第一个五年。下列有关“十四五”规划说法正确的是:
长期生活不规律会导致免疫细胞和胆固醇积聚在血管壁上,变成粥样斑块。这些斑块破碎时会形成血栓,血栓有可能脱落,沿血管流动。由于牙周病菌是一种厌氧菌,而血管中有大量氧气,因此牙周病菌单独进入血管并不能存活。但是,因为免疫细胞能够有效隔绝血管中的氧气,所以人们认
实体书店不仅是一种商业业态,也是一个文化标志,更是一座城市的文化招牌。实体书店要想在图书市场上赢得竞争,关键要找准定位,________自己的比较优势和市场价值,在服务上做得更加周到精准,才能让读者________,让逛书店成为文化时尚,让更多人浸润在浓郁
以长期饱受外界质疑的器官分配为例,为最大程度减少人工干预,如今这项工作已经交由相关科研部门设计的人体器官分配与共享计算机系统来完成。该系统以患者的医疗状况紧急程度和器官匹配程度等医学需求作为器官分配的唯一准则,实施自动分配和共享,并向国家和地方监管机构提供
随机试题
assistedreproductivetechnology
中期引产可能发生以下几种严重并发症:________,________,________,________。
先天性肥厚性幽门狭窄所特有的临床表现是()
下列选项中,属于技术变革和应用状况的有()。
托收承付结算制度中,验货付款的承付期为(),从运输部门向付款人发出提货通知的次日算起。
下列关于公文“成文日期”的描述,正确的是()。
什么是核对清单阅读法?请尝试用核对清单阅读法阅读一篇文献,并写出完整的阅读报告。
U-Boot是一种通用的引导加载程序,对___________【75】系列处理器支持最为丰富,对___________【76】操作系统的支持最为完善。
Green-spacefacilitiesarecontributingtoanimportantextenttothequalityoftheurbanenvironment.Fortunatelyitisnolon
Theguyleaned________tolookatwhatIwaswritingforhisrecommendationletter.
最新回复
(
0
)