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Under the Ability-to-Repay/Qualified Mortgage (ATR/QM) framework, a QM must avoid certain risky features and meet specific underwriting standards. Prohibited features include negative amortization, interest-only payments, and balloon payments (with limited exceptions for small creditors). QMs also require consideration and verification of income, assets, and debts; a maximum loan term of 30 years; and points-and-fees limits tied to the loan amount. Depending on the QM pathway (e.g., General QM under the price-based approach), loans must meet thresholds that indicate reasonable affordability, and underwriting must use verified income and reasonable debt obligations to assess repayment capacity. Negative amortization violates QM criteria because it allows unpaid interest to accrue onto principal, increasing balances and payment shock risk. By contrast, options B, C, and D are consistent with QM requirements when executed per regulation (30-year terms are permitted; points and fees must be within caps; verification is mandatory). Thus, Answer A accurately identifies a disqualifying feature.