Topic: Lending
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B024 Tax Refund Anticipation Loans
This release applies to all credit unions making income tax refund anticipation loans under the Wisconsin Consumer Act (WCA).
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B021 Fair Housing Act
This release applies to all credit unions offering mobile home, real estate, or home improvement loans. It provides a summary of the federal Fair Housing Act (FHA) and includes information […]
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B020 Basics of Construction Lending
This release applies to all credit unions offering construction loans. Contents: Construction Loan Risks Unsafe and Unsound Practices Documentation Interest Truth in Lending TILA-RESPA Integrated Disclosure rule (TRID) APRs on […]
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B019 Compliance Checklist for Manufactured Home Lending
This release applies to all credit unions granting mobile home (or other “manufactured home”) loans. It reviews various lending considerations above and beyond those for vehicle loans.
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B016 Financial Strategies for Credit Union 1st Mortgage Lenders
This release applies to all credit unions engaged in real estate lending. It presents a America’s Credit Unions white paper, intended as a general orientation on strategic issues in mortgage lending. […]
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B010 Open-End Credit Application Disclosure
This release explains a disclosure which must be included in all Wisconsin Consumer Act open-end credit applications, except for credit card applications. E
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B009 Mechanics Liens
This release describes when mechanic’s liens, and liens on motor vehicles for towing and storage, are given priority over credit union liens under state law.
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B008 Appraisals and Evaluations
This release applies to all credit unions, state or federal, when they engage in real estate lending, or sell, purchase, lease or invest in real property.
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B007 Credit Practices Rule
This release describes the Credit Practices Rule as it affects state and federal credit unions, relating to late fees, wage assignments, cosigners, prohibited security interests, etc. It includes discussion of […]
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B005 Wisconsin’s Marital Property Act
This release is an introduction to the Wisconsin Marital Property Act (“MPA”), focusing on credit-granting and collections issues. Parts of this release are based on a 1998 information memorandum prepared […]