LOS ANGELES — Raj Date, the deputy director of the Consumer Financial Protection Bureau, said Friday that the agency wants to avoid creating "disincentives" for mortgage lenders and banks as part of the qualified mortgage rule.

Date also assured consumer and civil rights groups that access to credit is a "priority" for the agency and there will be "real consequences" for mortgage lenders that do not properly assess a borrower's ability to repay a loan.

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