Lending

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Avoid discrimination claims when considering immigration status in lending

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Can CUs set off on a deceased member’s account?

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Can your CU charge prepayment penalties on loans?

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CDFI certification application updated, live webinar on Dec. 13

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CFPB Analyzes “Artificial Intelligence” Chatbots by Financial Institutions

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CFPB and the DOJ withdraw joint statement on fair lending

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CFPB finalizes open banking rule

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CFPB increases three regulatory exemptions amounts

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CFPB issues guidance on artificial intelligence and sending adverse action notices

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CFPB Payday Lending Rule to take effect March 30, 2025

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CFPB proposal would bar use of medical debt information in loan decisions

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CFPB proposal would treat data brokers like credit bureaus

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CFPB proposes Reg. B changes on “disparate impact” and “discouragement”

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CFPB removes Reg. B provisions on disparate impact

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CFPB rule will require CUs to collect data on small business lending

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CFPB updates three regulatory exemption amounts for 2024

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CFPB withdraws 67 guidance documents

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CFPB: Lenders can’t discriminate based on sexual orientation, gender identity

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CFPB’s small business lending rule gets new effective dates

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CFPB’s small business lending rule gets new effective dates

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Consumer Act limits returned payment fees on closed-end loans

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Credit unions, other lenders, get relief from small business data collection rule

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CUs should consider action steps in response to “debanking” executive order

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Does Wisconsin set a “usury” cap on loan interest rates?

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FinCEN eases beneficial ownership verification at each new account opening

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Forms Update: WCUL forms aid MLA compliance

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Interest on certain car loans deductible; CU must report to IRS

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IRS issues guidance for lenders on reporting car loan interest

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IRS proposes rules on new vehicle interest deduction

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Is an adverse action notice required when an application is deemed to be fraudulent?

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Jan. 5 is the effective date for DOT electronic lien release requirements

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League backs CFPB proposal to regulate “earned wage access” services

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League supports changes to small business lending rule

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NCUA Board extends current 18% interest rate ceiling

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NCUA launches Round 6 of its Deregulation Project

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NCUA launches Round 8 of its Deregulation Project

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NCUA removes disparate impact from fair lending materials

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NCUA’s 2026 Supervisory Priorities

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New loan modification agreement accommodates extensions, deferrals, or re-amortization of WCUL notes

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New state law covers ABLE accounts & other financial services

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New WCUL loan modification form helps lower rates without redisclosure

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No tattletale notice needed for non-applicant spouse domiciled outside Wisconsin

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Notifying senior mortgage lenders of a credit union’s junior lien

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OCU announces it is holding joint borrower letter “in abeyance”

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Please share your thoughts on eight pending NCUA regulatory relief proposals

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Representative payee account and lending

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Share certificate as collateral for loans

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Simplicity CU wins in appeal, with help of League “friend of the court” brief

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Special purpose lending programs for credit unions

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Supreme Court rules that CFPB funding is constitutional

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Watch out for flood damaged and other “branded” car titles

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What is the status of pending federal regulations?

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Why is a “family purpose” statement important in lending?

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Federal Regulations

CFPB: 12 CFR 1002

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CFPB: 12 CFR 1003

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CFPB: 12 CFR 1004

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CFPB: 12 CFR 1024

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CFPB: 12 CFR 1024.10(e)

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CFPB: 12 CFR 1026

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CFPB: 12 CFR 1026 Appendix D to Part 1026

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CFPB: 12 CFR 1026_Appendix Q to Part 1026

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NCUA: 12 CFR 741.3(b)(2)

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NCUA: 12 CFR 741.3(b)(3)

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Wis. Admin. Code: DFI-CU 54

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Wis. Admin. Code: DFI-CU 54.04

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Wis. Admin. Code: DFI-CU 68

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Wis. Admin. Code: DFI-CU 74

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Federal Statutes

Wis. Stats: 138 Money and Rates of Interest as related to residential mortgage loans and mergers.

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Wis. Stats: 138 Money and Rates of Interest as related to residential mortgage loans.

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

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Wis. Stats: 186 Credit Unions (state-chartered only) as regarding lending

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Wis. Stats: 422 WCA – Consumer Credit Transactions as regarding Interlocking Loans

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Wis. Stats: 428 WCA – First Lien Real Estate and Other Mortgage Loans

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Wis. Stats: 428.103(1)(e) WCA – First Lien Real Estate and Other Mortgage Loans – Limitations

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ii Releases

0110 Consumer Approval Transactions

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0126 Fair Credit Reporting Act

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0159 BSA: Customer Identification Program and Customer Due Diligence

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B001 Scope of Lending Laws

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B005 Wisconsin’s Marital Property Act

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B007 Credit Practices Rule

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B008 Appraisals and Evaluations

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B009 Mechanics Liens

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B010 Open-End Credit Application Disclosure

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B016 Financial Strategies for Credit Union 1st Mortgage Lenders

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B017 Reg. C – Home Mortgage Disclosure Act

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B019 Compliance Checklist for Manufactured Home Lending

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B020 Basics of Construction Lending

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B021 Fair Housing Act

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B024 Tax Refund Anticipation Loans

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B029 Closing Loans by Mail and Delayed Disclosures

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B030 Adjustable Rate Mortgage Lending Programs

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B033 Required Signatures on Homestead Loans

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B036 Reg. Z – Right of Rescission

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B039 Biweekly Mortgage Loan Payments

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B043 Substitution of Collateral

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B044 Motor Vehicle Liens

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B046 Consumer Kwik-Cash Loans

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B047 First Lien Residential Mortgage Loans Under § 138.052

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B048 Priority of Future Advances

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B049 Interlocking Loans

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B050 Federal Limitation on Exercise of Due-on-Sale Clauses

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B052 Participation Loans

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B053 Real Estate Mortgage Lending

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B055 Wisconsin Consumer Act Registration

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B057 Homeowners Protection Act

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B058 HUD’s Delinquent Homeowner Notice Requirement

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B059 Child Support Enforcement: Lien Docket

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B060 Overview of Revised Uniform Commercial Code Article 9

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B062 Reg. Z: Home Ownership & Equity Protection Act (HOEPA) Rule

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B063 FTC Rule on Preservation of Consumers’ Claims and Defenses

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

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B065 Debt Cancellation and Suspension Agreements

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B068 Reg. Z – Higher-Priced Mortgage Loans

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B069 Private Student Loans

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B075 Reg. X & Reg. Z: Mortgage Servicing Rule

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B078 Mortgage Payoff & Satisfaction Laws

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B079 TILA-RESPA Integrated Disclosure Rule

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B080 Payday and Vehicle Title Loans

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Resources

National Foundation for Credit Counseling (NFCC)

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NCUA: Interagency Guidance Regarding Unfair or Deceptive Credit Practices (August 22, 2014)

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OCC: Truth in Lending – Comptroller’s Handbook CC-MLA (May 2018, Ver. 1.0)

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OCC: Truth in Lending – Comptroller’s Handbook CC-SCRA (Nov 2025, Ver. 1.1)

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Other

#81042 – Loan Application (Non-Wisconsin residents) (Rev. 11/13)

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#82014 – Consumer Note and Federal Truth in Lending Disclosure (Rev. 2/14), (MLA v. Rev. 9/16)

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#82014-MLA – MLA Consumer Note and Federal Truth in Lending Disclosure (Rev. 6/16)

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#82029 – Adverse Action Notice – Credit Related Transactions (Rev. 11/23)

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#82031 – Non-Consumer Note (Rev. 3/05), (MLA v. Rev. 9/16)

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#82031-MLA – MLA Non-Consumer Note (Rev. 6/16)

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#82034 – Notice of Right to Cancel (Rev. 12/03)

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#82072 – Itemization of Amount Financed (Rev. 4/00)

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#82073 – Consumer Note (Rev. 11/13), (MLA v. Rev. 9/16)

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