· Main ATR/QM rule provisions and official interpretations can be found in: § 1026.43(a), Scope § 1026.43(b), Definitions § 1026.43(c), Ability to repay § 1026.43(d), Refinancing of non-standard mortgages § 1026.43(e), Qualified mortgage § 1026.43(f), Balloon-payment qualified mortgages made by certain creditors

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 · Author Martijn Rijk Marketing Manager ATR An ATR is a certificate used for the movement of goods between the European Union and Turkey. There are two important agreements between the EU and Turkey. One is the EU-Turkey Customs Union, which covers mainly industrial products.

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