Topic: Mortgage Loans
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NCUA: Letter to Credit Unions No. 07-CU-09 – Statement on Subprime Mortgage Lending (July 2007) (encl) 30 pp.
Federal regulators describe safety and soundness and consumer protection standards that institutions should follow to ensure borrowers obtain loans they can afford to repay. In particular, the regulators are concerned […]
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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
The federal regulators issued this guidance to promote sound risk management of open-end home equity lines of credit (HELOCs) and closed-end home equity loans. To access enclosure, click on blue […]
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CFPB: 12 CFR 1026_Supplement I to Part 1026
Truth in Lending (Reg. Z). Official Staff Interpretations.
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CFPB: 12 CFR 1026_Appendix Q to Part 1026
Truth in Lending (Reg. Z). Appendix Q – Standards for Determining Monthly Debt and Income.
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Escrow Payment Option
Wis. Stats. § 138.052 See ii Release No. B047 – First Lien Residential Mortgage Loans Under § 138.052
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CFPB: 12 CFR 1026 Appendix D to Part 1026
Truth in Lending (Reg. Z). Appendix D – Multiple Advance Construction Loans.
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CFPB: 12 CFR 1026
Truth in Lending (Reg. Z). Appendices, model forms, and commentary are included in the link to the last section of the regulation: Subpart A – General. Subpart B – Open-end […]
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CFPB: 12 CFR 1024.10(e)
Real Estate Settlement Procedures Act (RESPA) (Reg. X). 1024.10 One-day advance inspection of HUD–1 or HUD–1A settlement statement; delivery; recordkeeping. (e) Recordkeeping. The lender shall retain each completed HUD–1 or […]
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CFPB: 12 CFR 1004
Alternative Mortgage Transaction Parity (Reg. D).
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CFPB: 12 CFR 1003
Home Mortgage Disclosure Act (Reg. C). The regulation is supplemented by: Appendix A – Form & Instructions for Completion of HMDA Loan/Application Register. Appendix B – Form & Instructions […]