Topic: Mortgage Reform 2013-2014
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CFPB: 12 CFR 1026.34
Truth in Lending (Reg. Z) Subpart E – Special Rules for Certain Home Mortgage Transactions. 1026.34 Prohibited acts or practices in connection with high-cost 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, […]
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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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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. […]
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B053 Real Estate Mortgage Lending
This release describes the requirements of Wis. Admin. Code Ch. DFI-CU 54 (effective November 1, 1997), with cross-references to other regulations. Although federal credit unions are not subject to the […]
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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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CFPB: Small Entity Compliance Guide: Escrow Requirements under the Truth in Lending Act (Reg. Z), (April 18, 2013) (Eff. June 1, 2013)
Learn more about the background of this rule and how it affects providers of financial products and services.