Topic: Adjustable Rate Mortgages (ARMs)
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CFPB: 12 CFR 1026.19
Truth in Lending (Reg. Z) – Closed-End Credit. 1026.19 Certain residential mortgage and variable-rate transactions. See (b) Certain variable-rate transactions.
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CFPB: 12 CFR 1026.18
Truth in Lending (Reg. Z) – Closed-End Credit 1026.18 Content of disclosures. See (f) Variable rate.
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CFPB: 12 CFR 1026._9
Truth in Lending (Reg. Z) – Open-End Credit 1026.9 Subsequent disclosure requirements. For Variable Rate Loan: See (c) Change in terms.
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OCC: Press Release (May 16, 2005) – Agencies Issue Credit Risk Management Guidance for Home Equity Lending
The federal bank, thrift and credit union regulatory agencies issued guidance that promotes sound risk management practices for home equity lines of credit and loans. The agencies have found that […]
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NCUA: Interagency Advisory on Interest Rate Risk Management (January 6, 2010)
The federal financial regulators remind institutions of supervisory expectations regarding sound practices for managing interest rate risk (IRR). The regulators recognize that some degree of IRR is inherent in the […]
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CFPB: What You Should Know about Home Equity Lines of Credit (01/14)
This brochure contains information on home equity lines of credit; includes a glossary of terms and a checklist to use in shopping for a plan. To print this brochure, select […]
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CFPB: Consumer Handbook on Adjustable Rate Mortgages (01/14)
Consumer Handbook on Adjustable-Rate Mortgages – CHARM booklet is required for adjustable rate mortgages. The booklet is also available in Spanish.
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B064 R.E.A.P. & Home Equity Lines of Credit
This release provides guidance on setting up and administering a HELOC program, such as The League’s R.E.A.P.® program. Exhibits: Exhibit A – Wisconsin HELOC Documentation Checklist Exhibit B – Instructions […]
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B047 First Lien Residential Mortgage Loans Under § 138.052
This release applies to all credit unions offering residential real estate (including mobile home) loans secured by a first mortgage or equivalent security interest. The Release describes the requirements of […]