Under the TILA,for Subprime Mortgage Loans,a Lender

Under the TILA,for subprime mortgage loans,a lender:

A) may charge a prepayment penalty any time the loan is paid off before its due date.
B) must collect property taxes and homeowner's insurance for all first mortgages.
C) may not change the amount of the monthly payment during the period of the loan.
D) may consider the value of the home in determining the borrower's ability to repay the loan.