Alison and Shelby are buying a new home. They apply to a local bank for a mortgage. Under new provisions of the Dodd-Frank Act, the bank

has to reasonably determine whether Shelby and Alison can repay the loan amount.

has the right to sue Alison and Shelby for predatory and deceptive practices.

must hold onto at least 20% of the loans it makes rather than sell them to investors.

may not request a credit score from Alison and Shelby until the bank has undertaken its own due diligence efforts.