Topic: Lending
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Wis. Admin. Code: DFI-CU 74
Debt Cancellation Contracts and Debt Suspension Agreements, for Wisconsin state-chartered credit unions. 74.02 Definitions. 74.03 Debt cancellation contracts and debt suspension agreements. 74.04 Prohibited practices. 74.05 Refunds of fees in […]
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Wis. Admin. Code: DFI-CU 54.04
Real Estate Mortgage Loans. 54.04 Loan policies. The board of directors shall adopt written policies to direct the real estate lending activities. The loan policies shall be reviewed at least […]
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B078 Mortgage Payoff & Satisfaction Laws
This release applies to all credit unions, both state and federal. It describes Section 708.15 to the Wisconsin Statutes, which cover payoff requests, payoff statements, and satisfactions related to mortgages […]
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B075 Reg. X & Reg. Z: Mortgage Servicing Rule
This release applies to all credit unions, both state and federal. It describes nine federal Mortgage Servicing Rule – regulations issued by the Consumer Financial Protection Bureau (CFPB) that address […]
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B069 Private Student Loans
This release applies to federal and state credit unions. It describes special federal rules for private education loans, which took effect on February 14, 2010.
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B068 Reg. Z – Higher-Priced Mortgage Loans
This release applies to all credit unions, both state and federal. It describes Truth in Lending restrictions on certain “higher-priced mortgage loans.”
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B065 Debt Cancellation and Suspension Agreements
This release summarizes Wisconsin regulations on the use of debt cancellation and suspension agreements.
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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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B063 FTC Rule on Preservation of Consumers’ Claims and Defenses
The Federal Trade Commission (FTC) Rule on Preservation of Consumers’ Claims and Defenses applies to state and federal credit unions. This rule, which is frequently referred to as “The Holder-in-Due-Course […]
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B062 Reg. Z: Home Ownership & Equity Protection Act (HOEPA) Rule
This release describes the Federal Reserve’s requirements for credit unions offering “high-cost” or “high-fee” mortgage loans subject to the Home Ownership and Equity Protection Act (HOEPA) rules in Reg. Z. […]