; (cc) that is in compliance with the requirements of clause (vii) of subparagraph (A); (dd) that does not have negative amortization or interest-only features; and (ee) for which the covered institution considers and documents the debt, income, and financial resources of the consumer in accordance with clause (iv); and (II) a residential mortgage loan described in subclause (I) shall be deemed to meet the requirements of subsection (a). (iii) Exception for certain transfers A residential mortgage loan described in clause (ii)(I) shall not qualify for the safe harbor under clause (ii) if the legal title to the residential mortgage loan is sold, assigned, or otherwise transferred to another person unless the residential mortgage loan is sold, assigned, or otherwise transferred— (I) to another person by reason of the bankruptcy or failure of a covered institution; (II) to a covered institution so long as the loan is retained in portfolio by the covered institution to which the loan is sold, assigned, or otherwise transferred; or (III) pursuant to a merger of a covered institution with another person or the acquisition of a covered institution by another person or of another person by a covered institution, so long as the loan is retained in portfolio by the person to whom the loan is sold, assigned, or otherwise transferred. (iv) Consideration and documentation requirements The consideration and documentation requirements described in clause (ii)(I)(ee) shall— (I) not be construed to require compliance with, or documentation in accordance with, appendix Q to part 1026 of title 12, Code of Federal Regulations, or any successor regulation; and (II) be construed to permit multiple methods of documentation. . 102. Safeguarding access to habitat for humanity homes Section 129E(i)(2) of the Truth in Lending Act ( 15 U.S.C. 1639e(i)(2) ) is amended— (1) by redesignating subparagraphs (A) and (B) as clauses (i) and (ii), respectively, and adjusting the margins accordingly