Guidelines for National Banks to Guard against Predatory and Abusive Lending Practices-AL-2003-2 says that refusing to purchase the following types of loans can reduce the possibility of purchasing abusive mortgage loans EXCEPT:

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The guideline lists three types of loans that should be refused to reduce the possibility of purchasing abusive mortgage loans: loans in which the lender has not adequately determined the borrower's ability to repay the debt, loans subject to HOEPA, and loans with points and fees in excess of 5 percent of the loan amount, except in cases where the higher amount was to prevent the loan from being unprofitable. The guideline does not mention loans with prepaid multiple-premium credit insurance policies included in the amount financed. Therefore, refusing to purchase loans with prepaid multiple-premium credit insurance policies will not reduce the possibility of purchasing abusive mortgage loans.

Guidelines for National Banks to Guard Against Predatory and Abusive