{"id":6275,"date":"2013-01-11T11:29:00","date_gmt":"2013-01-11T16:29:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-applauds-new-mortgage-rules\/"},"modified":"2023-07-24T11:10:38","modified_gmt":"2023-07-24T15:10:38","slug":"merkley-applauds-new-mortgage-rules","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-applauds-new-mortgage-rules\/","title":{"rendered":"Merkley aplaude las nuevas reglas hipotecarias"},"content":{"rendered":"<p>Washington, DC \u2013 Hoy, despu\u00e9s de que la Oficina para la Protecci\u00f3n Financiera del Consumidor anunciara nuevas reglas radicales para el mercado hipotecario de la naci\u00f3n, el Senador de Oreg\u00f3n Jeff Merkley aplaudi\u00f3 a la CFPB por poner fin a los pr\u00e9stamos de inter\u00e9s solamente, los pr\u00e9stamos \u201csin documentaci\u00f3n\u201d y los pr\u00e9stamos basados en un tasa de inter\u00e9s inicial &quot;teaser&quot;. Merkley ha sido una voz l\u00edder en el Congreso a favor de protecciones m\u00e1s s\u00f3lidas para los consumidores en el mercado hipotecario y redact\u00f3 disposiciones clave en la Ley de Reforma de Wall Street Dodd-Frank en las que se basan estas nuevas reglas.&nbsp;<\/p>\n<blockquote>\n<p>\u201cDemasiados propietarios fueron inducidos a pr\u00e9stamos hipotecarios abusivos por parte de corredores que recibieron sobornos por vender pr\u00e9stamos de alto riesgo\u201d, dijo Merkley. \u201cLa propiedad de vivienda debe ser un motor de oportunidades y crecimiento econ\u00f3mico. Estas nuevas reglas son un paso importante para garantizar que las estafas y la imprudencia en los mercados inmobiliarios no vuelvan a amenazar a las familias y nuestra econom\u00eda en el futuro\u201d.&nbsp;<\/p>\n<\/blockquote>\n<p>Merkley tambi\u00e9n inst\u00f3 a seguir un camino espec\u00edfico sobre c\u00f3mo las &quot;primas de diferencial de rendimiento&quot;, tambi\u00e9n conocidas como pagos de direcci\u00f3n, deben calcularse en las nuevas reglas. Merkley redact\u00f3 la prohibici\u00f3n de Dodd-Frank de estos pagos de los prestamistas a los originadores de hipotecas en funci\u00f3n de los t\u00e9rminos de los pr\u00e9stamos.&nbsp;&nbsp;<\/p>\n<blockquote>\n<p>\u201cLas reglas de los pagos de direcci\u00f3n no se finalizaron hoy\u201d, dijo Merkley, \u201ce insto a la CFPB a avanzar con reglas estrictas que proteger\u00e1n a los propietarios de tarifas onerosas y terminar\u00e1n con el incentivo para guiar a los nuevos propietarios hacia pr\u00e9stamos abusivos\u201d.<\/p>\n<\/blockquote>\n<p align=\"center\">###<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, DC &#8211; Today, after the Consumer Financial Protection Bureau announced sweeping new rules to the nation&#8217;s mortgage market, Oregon&#8217;s Senator Jeff Merkley applauded the CFPB for putting an end to interest-only loans, &ldquo;no doc&rdquo; loans, and loans based on an initial &ldquo;teaser&rdquo; interest rate. Merkley has been a leading voice in Congress for stronger [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[47],"class_list":["post-6275","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Merkley Applauds New Mortgage Rules - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/merkley-applauds-new-mortgage-rules\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Applauds New Mortgage Rules - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, DC &#8211; Today, after the Consumer Financial Protection Bureau announced sweeping new rules to the nation&#8217;s mortgage market, Oregon&#8217;s Senator Jeff Merkley applauded the CFPB for putting an end to interest-only loans, &ldquo;no doc&rdquo; loans, and loans based on an initial &ldquo;teaser&rdquo; interest rate. 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