ATR – Outstanding Credit Balances Home » Topics » Truth in Lending/ Regulation Z » ATR – Outstanding Credit Balances This topic has 0 replies, 1 voice, and was last updated 1 year, 9 months ago by kvet18. Viewing 1 post (of 1 total) Author Posts January 12, 2023 at 4:54 pm EST #190709 kvet18Participant When calculating DTI for ATR, if a customer already has a HELOC with another lender for 100K but the balance is currently at $0, does regulation require that we use a certain amount to calculate or is that a policy decision? Author Posts Viewing 1 post (of 1 total) You must be logged in to reply to this topic. Log In Username: Password: Keep me signed in Log In