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
37
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 fraught with problems.But,federal and state regulators are documenting new instances of abuse as smaller mortgage brokers,including former subprime lenders,flood the market after the recent exit of big banks and as defaults on the loans hit record rates.
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 mortgage 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 regard to suitability.”said Lori 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/hSkY777K
本试题收录于:
银保监法律类题库国家公务员分类
0
银保监法律类
国家公务员
相关试题推荐
独居是一种社会现象,它契合大城市的生活节奏和现代人对自由独立的追求。未来会有更多的人遇到问题时不再选择为了“防老”而维系家庭,也会有更多人干脆选择一辈子独身。同时,空巢老人是一直都存在的社会问题,加上人类寿命的延长,孤寡老人的问题也愈发凸显。虽然政府一直在
双方要找准利益契合点,加深彼此了解,同时避免干扰,不________,有问题大家商量着来。这样两国关系才会既驶得快,又行得稳。在中英双方的共同努力下,此次访谈将推动中英合作进入快速轨道,为两国关系未来发展打下更为________的基础。填入画横线部分最恰当
生产力和生产关系的矛盾、经济基础和上层建筑的矛盾。是贯穿人类社会始终的基本矛盾。下列选项中能正确反映社会基本矛盾运行规律的是:①充分发挥私营经济和外资经济的重要作用②坚持和完善社会主义初级阶段基本经济制度③加快科学技术的发展,全面提高劳动者素质④坚
一古代算数例题:“今有大夫、不更、簪袅、上造、公士凡五人。共猎得五鹿,欲以爵次分之,问各得几何?”书中记载正确的答案是:他们依次分别得到5/3、4/3、1、2/3、1/3只鹿。请问,这道算数题反映了古代中国社会的哪项特色?
管理:决策
大学毕业后,小张、小李、小王、小刘四人各自选择了工作、留学和读研。已知:(1)小张和另外一人选择了读研,其他一人留学,一人工作;(2)留学的毕业成绩比小王的毕业成绩好;(3)小刘没有选择工作;(4)小刘的毕业成绩不如小王。由此可知:
马克思主义的人权观认为:人权不可能是天赋的,而是社会历史地产生的。从其本质上讲,它反映了一定的社会关系。个人不可能离开他人和社会而生存这一事实,决定了人权有两种表现形式,个人人权和集体人权。个人人权的主体是个人,集体人权的主体是社会群体、民族和国家等。个人
甲公司与某乡政府达成捐赠100万元用于建设新小学的赠与合同。关于本赠与合同,下列说法正确的是:()
行政监督尤其是合理性监督与行政活动有着密切联系,可以说何时有行政活动,何时就有行政监督。这主要体现了行政监督的:
Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,which
随机试题
“上有政策,下有对策”有悖于政策有效执行的()
患者,男性,15岁,学生。突然出现畏寒、高热,体温高达40℃,头晕、头痛、全身酸痛、乏力伴有腹痛、腹泻,同班同学也有相似症状。血常规检查示WBC3.0×109/L,N70%,L30%。若继发金黄色葡萄球菌肺炎,经验性治疗不应选用()
自2003年1月1日起,企业接受的货币性资产和非货币性资产捐赠,均需并入当期应纳税所得额,依法计算缴纳企业所得税。但是;取得的捐赠收入金额占应纳税所得额( )及以上的,可以在不超过5年的期间内均匀计入各年度的应纳税所得。
2013年8月,甲将自有房屋出租给乙使用,双方签订了租赁合同,约定每月10日支付下一个月的租金。2014年4月1日,甲乙双方因房屋维修发生争执,最终导致双方受伤。当月10日,乙没有按期向甲支付租金,并拒绝交房。2014年5月,甲决定通过诉讼向乙追讨租金,但
薪酬水平一般的企业应注意()点处的薪酬水平。(2007年5月二级真题)(2005年5月三级真题)(2004年11月三级真题)
【考生须知】1.监考老师发给你的测试材料分为两部分:试题本和答题纸。2.测试开始前。请在试题本和答题纸上指定位置先填写好自己的姓名、准考证号等项内容,然后再开始答题。3.申论考试与传统的作文考试不同,是分析驾驭材料的能力与表达
下列关于公文格式的表述中,恰当的一项是()
“坚守”,是一种重要的人生品质。不过,也有人认为“放弃”或许同样是一种宝贵的品质。请以“坚守与放弃”为题,写一篇800字左右的议论文。要求论点清晰,结构合理,说理充分,表述正确流畅,文体恰当。
甲公司2011年6月的产值是1月份产值的a倍。(1)在2011年上半年,甲公司月产值的平均增长率为。(2)在2011年上半年,甲公司月产值的平均增长率为一1。
Youaregoingtoreadalistofheadingsandatextaboutlaughing.ChoosethemostsuitableheadingfromthelistA-Fforeach
最新回复
(
0
)