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  3. Passage 8 The very loans that are suppo

Passage 8 The very loans that are suppo

免费题库2022-08-02  28
问题 Passage 8The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.Reverse mortgages,which allow homeowners 62 and older to borrow money against the value of their homes and not pay it back until they move out or die,have long been fraught with problems.But federal and state regulators are documenting new instances of abuse as smaller mortgage brokers,including former subprime lenders,flood the market after the recent exit of big banks and as defaults on the loans hit record rates.Some lenders are aggressively pitching loans to seniors who cannot afford the fees associated with them,not to mention the property taxes and maintenance.Others are wooing seniors with promises that the loans are free money that can be used to finance long-coveted cruises,without clearly explaining the risks.Some widows are facing eviction after they say they were pressured to keep their name off the deed without being told that they could be left facing foreclosure after their husbands died.Now,as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings,the newly minted Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders.More than 775,000 of such loans are outstanding,according to the federal government.Concerns about the multibillion-dollar reverse mortgage market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford.“There are many of the same red flags,including explosive growth and the fact that these loans are often advertised aggressively without regard to suitability,”said Lori Swanson,the Minnesota attorney general,who is working on reforming the reverse mortgage market.The“red flags”of reverse mortgage don’t include______.A.explosive growthB.the reform of reverse mortgage marketC.little consideration to suitabilityD.aggressive and improper marketing
选项 A.explosive growth
B.the reform of reverse mortgage market
C.little consideration to suitability
D.aggressive and improper marketing
答案 B
解析 根据题干关键词red flags定位至文中末段There are many of the same red flags,including explosive growth（选项A）and the fact that these loans are often advertised aggressively（选项D）without regard to suitability（选项C）可知只有选项B未提及。故本题正确答案选B。
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