Lenders take a look at whether to take credit for home loan in new rule

COLUMBUS (AP) The Consumer Financial Protection Bureau says it is taking a look whether lenders should consider taking out credit for personal loans in new rules aimed at reinvigorating the nation’s biggest consumer lending industry.CFPB Director Richard Cordray said in a statement Tuesday that the agency is reviewing the guidance issued last week by the Department of Labor that says the new rule requires lenders to include a credit history with their personal loans when determining eligibility for loans and limits the amount of money that can be collected from borrowers who take out loans for the purpose of refinance.

Cordray said the agency plans to issue an updated guidance in the next few weeks.CNBC, CNBC.com, CNBC, CNBCNews.com and Bloomberg are brands of NBCUniversal Inc. and NBCUniversal Communications Inc. (NYSE: NBCU)The Consumer Financial Protect Bureau’s new guidance, which came after the bureau issued its own guidance in December, said the lender must disclose that a borrower has a credit rating if it can show that the borrower has an adequate credit history.

The bureau said lenders may include a personal loan on a borrower’s credit report if the borrower and the lender agree to credit scores from the credit bureau that cover at least 50 percent of the borrower’s income and at least $25,000 of income for the borrower, or the borrower meets all other credit reporting requirements.

The agency also says lenders must include a loan modification if the lender determines that the borrowers ability to repay the loan exceeds 30 percent of its monthly payment.

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