Exclusion to have article-consummation escrow is the reason troubled users

(A) When you look at the before twelve months, or, if the software toward transaction are received in advance of April step one of most recent calendar year, throughout the either of the two before calendar decades, the newest collector extended a covered purchase, given that defined from the (b)(1), safeguarded from the a first lien on the a house that’s found within the a location that is often rural otherwise underserved, as established from inside the part (b)(2)(iv) in the point;

(B) During the before season, otherwise, in the event your app into purchase are gotten just before April step 1 of your own current twelve months, throughout either of the two preceding calendar decades, the brand new creditor and its particular affiliates to one another expanded no more than 2,000 secured deals, while the laid out by (b)(1), safeguarded of the earliest liens, which were sold, tasked, otherwise transferred to someone else, otherwise www.paydayloanalabama.com/clayton which were subject at the time of consummation so you’re able to an excellent dedication to end up being acquired because of the another individual;