Topic: Mortgage Loans
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CFPB: 12 CFR 1002
Equal Credit Opportunity (Reg. B). PART 1002—EQUAL CREDIT OPPORTUNITY ACT (REGULATION B) §1002.1 Authority, scope and purpose. §1002.2 Definitions. §1002.3 Limited exceptions for certain classes of transactions. §1002.4 General rules. §1002.5 Rules concerning requests for […]
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OCC: APRWIN Calculation Program
The Windows-based version of the Annual Percentage Rate program is an efficient tool for verifying annual percentage rates and reimbursement adjustments. This version includes relevant finance charge and APR tolerances […]
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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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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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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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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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B076 Reg. Z: Financing Credit Insurance
This release applies to all credit unions, both state and federal. It describes Truth in Lending regulations (Reg. Z) that prohibit lenders from financing any premiums or fees for credit […]
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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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B074 Reg. Z: Ability-to-Repay / Qualified Mortgage Rule
This release applies to all credit unions, both state and federal. It describes a Truth in Lending regulation that requires lenders to consider a borrower’s ability to repay when originating […]
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B071 Reg. Z: Loan Originator Rule
This release applies to all credit unions, both state and federal. It describes the federal Loan Originator Rule – a set of requirements under the Truth in Lending act rules, […]