Mortgage Loans

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Mortgage Loans

Compliance Couriers

AVM quality control standards effective today

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CFPB adjusts 2024 HMDA, HPML escrow, and “small creditor” exemption amounts

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CFPB adjusts 2026 HMDA, HPML escrow, and “small creditor” exemption amounts

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CFPB proposes new mortgage servicing rules

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CFPB targets mortgage closing costs as “junk fees”

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CFPB updates 2024 dollar amounts for credit card minimal interest disclosures, HOEPA triggers, and QM limits

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CFPB Updates 2026 Dollar Amounts for Credit Card Minimum Interest Disclosures, HOEPA Triggers, and QM Limits

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CFPB updates three regulatory exemption amounts for 2026

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

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Guidance covers “reconsiderations of value” for real estate lending

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Homebuyers Privacy Protection Act limits “trigger leads”

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ICYMI: State amendments eliminate four mortgage notices

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League voices concerns over changes to CFPB mortgage servicing rules

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National day of mourning does not impact TRID and rescission

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NCUA & other regulators finalize AVM rule

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NCUA finalizes rule on capitalization of interest

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New Juneteenth federal holiday seems to have immediate compliance implications

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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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State increases escrow interest rate for 2024

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What are compliance issues with 365/360 interest computations?

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What should CUs do when mortgage borrowers fall behind on property taxes?

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When does the “reconsideration of value” (ROV) guidance take effect?

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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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CFPB: 12 CFR 1026_Supplement I to Part 1026

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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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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: 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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Wis. Stats: 706 Conveyances of Real Property; Recording; Titles as regarding construction and real estate lending.

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ii Releases

B001 Scope of Lending Laws

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B003 Flood Insurance

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B008 Appraisals and Evaluations

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B014 Real Estate Settlement Procedures Act (RESPA)

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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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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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B047 First Lien Residential Mortgage Loans Under § 138.052

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B048 Priority of Future Advances

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

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B053 Real Estate Mortgage Lending

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B057 Homeowners Protection Act

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B058 HUD’s Delinquent Homeowner Notice Requirement

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

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

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B068 Reg. Z – Higher-Priced Mortgage Loans

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B070 Registration of Mortgage Loan Originators

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B071 Reg. Z: Loan Originator Rule

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B074 Reg. Z: Ability-to-Repay / Qualified Mortgage Rule

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

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B076 Reg. Z: Financing Credit Insurance

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B077 Providing Copies of Appraisals

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B078 Mortgage Payoff & Satisfaction Laws

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B079 TILA-RESPA Integrated Disclosure Rule

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B082 Understanding Finance Charges for Closed-End 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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NCUA: Letter to Credit Unions No. 25-CU-01 – NCUA’s 2025 Supervisory Priorities (January 2025)

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Resources

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

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America’s Credit Unions: e-Guide – Mortgage Lending Rules (2013) – Homeownership Counseling

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America’s Credit Unions: e-Guide – Mortgage Loan Originator Registration (SAFE Act)

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America’s Credit Unions: e-Guide – Private Mortgage Insurance

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Appraisal Institute: Guide Note 13, Performing Evaluations of Real Property Collateral for Lenders (March 19, 2013)

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CFPB posts video overviews of the new mortgage rules

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

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CFPB: TILA-RESPA Integrated Disclosure rule implementation

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FFIEC: Geocoding Tool

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FRB: Consumer Compliance Handbook – Homeownership Counseling (1/06) 5 pp.

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OCC: APRWIN Calculation Program

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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

#81063 – Real Estate Mortgage Satisfaction (Rev. 9/01)

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#82020 – Consumer Mortgage (Rev. 11/13)

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#82042 – Mortgage Note (Non-Consumer) (Rev. 11/13), (MLA v. Rev. 10/16)

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#82043 – Mortgage (Non-Consumer) (Rev. 11/13)

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#82085 – Consumer R.E.A.P. Agreement (Rev. 3/05)

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#82087 – Non-Consumer R.E.A.P. Agreement (Rev. 3/05)

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#82088 – Non-Consumer R.E.A.P. Mortgage (Rev. 9/98)

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Escrow Payment Option

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Mortgage Lien Notice

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

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Wisconsin First Mortgage Pre-Application Sample Disclosure (03/19/03)

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