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loan fees, prepayment penalties, and fees from the financing of credit-related products;
* Refinancings of special subsidized mortgages that result in the loss of beneficial loan terms;
* "Packing" of excessive and sometimes "hidden" fees in the amount financed;
* Using loan terms or structures - such as negative amortization - to make it more difficult or impossible for borrowers to reduce or repay their indebtedness;
* Using balloon payments

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