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Risky subprime mortgages gave low-income families a path to purchasing a home. But there was a problem. "People were being given loans they couldn’t possibly repay," said Keith Cummins, a broker with.

One of the missions of the agency, which was created by Congress in 2010, is to educate consumers about the financial agreements for their mortgages, payday loans and other borrowing, such as credit.

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