WASHINGTON -- Other lenders will have to be as careful as most credit unions have been in making home loans as a result of rules approved by the Federal Reserve last week.

Lenders will be barred from making loans without proof of the borrower's income and must consider a borrower's ability to repay the loan from sources aside

from the value of the home. In addition, lenders will have to ensure that borrowers set aside money for taxes and insurance.

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