Adjustable Rate Mortgages (ARMs)

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Adjustable Rate Mortgages (ARMs)

Federal Regulations

CFPB: 12 CFR 1026._9

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CFPB: 12 CFR 1026.18

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CFPB: 12 CFR 1026.19

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CFPB: 12 CFR 1026.20

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CFPB: 12 CFR 1026.40

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Federal Statutes

Wis. Stats: 138 Mortgage and Rates of Interest as related to variable rate loans.

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Wis. Stats: 422 WCA – Consumer Credit Transactions as regarding variable rate loans

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ii Releases

B001 Scope of Lending Laws

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B002 Variable Rate Adjustment Notices

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B016 Financial Strategies for Credit Union 1st Mortgage Lenders

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B030 Adjustable Rate Mortgage Lending Programs

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B047 First Lien Residential Mortgage Loans Under § 138.052

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B064 R.E.A.P. & Home Equity Lines of Credit

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Letters to CUs

NCUA: Letter to Credit Unions No. 05-CU-07 – Managing Risks Associated with Home Equity Lending (May 2005) & Enclosure: Interagency Credit Risk Management Guidance for Home Equity Lending

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NCUA: Letter to Credit Unions No. 07-CU-09 – Statement on Subprime Mortgage Lending (July 2007) (encl) 30 pp.

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Resources

America’s Credit Unions : e-Guide – Truth in Lending (Reg. Z)

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CFPB: Consumer Handbook on Adjustable Rate Mortgages (01/14)

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CFPB: What You Should Know about Home Equity Lines of Credit (01/14)

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DFI: Variable Rate Transactions: Wisconsin Consumer Act Approved Indices

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DFI: Wisconsin Consumer Act – Ceilings and Floors on Variable Rate Loans (10/18/2001) Interpretive Opinions Issued by DFI

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FRB: H.15 Selected Interest Rates

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NCUA: Interagency Advisory on Interest Rate Risk Management (January 6, 2010)

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OCC: Press Release (May 16, 2005) – Agencies Issue Credit Risk Management Guidance for Home Equity Lending

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Other

Reg. Z Adjustable Rate Mortgage (ARM) Application Sample Disclosure (12/2013)

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