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In order for a creditor to qualify for this type of protection, the QM must be higher-priced. In addition, if a court finds that a mortgage is a higher-priced QM, a consumer can argue that the creditor violated the ATR rule. Which of the following do these characteristics best describe?
A. Safe Harbor
B. Rebuttable Harbor
C. Rebuttable Presumption
D. Safe Presumptiorn

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