any mortgage insurance or other type of insurance or credit enhancement was obtained at the time of origination. (G) Loan Payment Terms (i) In general The terms of the mortgage that determine the magnitude and timing of payments due from the mortgagor, including the term to maturity of the mortgage, the frequency of payment, the type of amortization, any prepayment penalties, and whether the interest rate is fixed or may vary. (ii) Inclusion of 30-Year Fixed Interest Rate Terms established under clause (i) shall include a 30-year fixed interest rate mortgage. (H) Other Such other underwriting criteria as the Exchange may establish, consistent with the goals of this subtitle. (3) Definitions The Exchange shall, for purposes of this subsection, prescribe definitions for each of the following terms: (A) Mortgage The term mortgage , which definition shall include only mortgages on residential properties. (B) Default The term default , with respect to a mortgage. (C) Delinquency The term delinquency , with respect to a mortgage. (D) Loan documentation The term loan documentation , with respect to a mortgage. (E) Additional terms Such other terms as the Exchange may establish. (b) Standards for Aggregators The Exchange may develop, adopt, and publish standards for aggregation of eligible collateral by entities, institutions, or companies other than an issuer. Notwithstanding any such standards developed by the Exchange, any Federal Home Loan Bank may act as an aggregator and offer the service of aggregation to any member of such Bank, subject to regulations prescribed by the Director. (c) Standards for Qualified Issuers (1) In General The Exchange shall develop, adopt, and publish standards for an issuer to qualify as a qualified issuer. Such standards shall only include— (A) the experience, financial resources, and integrity of the issuer and its principals, including compliance history with Federal and State laws