WASHINGTON — Even as the Consumer Financial Protection Bureau announced Thursday long-awaited underwriting requirements for all mortgages, it also released final rules restricting fees and lump-sum payments for certain high-cost loans.

The regulations, which finalize a July 2012 proposal, bar creditors from attaching balloon payments to high-cost loans, except in rural and underserved areas. The rules also ban certain fees on modifying high-cost loans, and cap late fees at 4% of the payment that was missed. The regulations also stop lenders from incorporating closing costs into the loan amount for high-cost loans and bans prepayment penalties.

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