Topic: Reg. Z – Truth in Lending
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B082 Understanding Finance Charges for Closed-End Credit
This ii Release applies to all credit unions, state and federal. The main text of the release is an article was written by Leslie A. Frogge, Former Examiner, Federal Reserve […]
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CFPB announces 2022 HMDA and “small creditor” exemption amounts
NEWS: The Consumer Financial Protection Bureau (CFPB) has released its annual updates to two regulatory exemption amounts that affect credit unions making mortgage loans: The asset-size exemptions for collecting Home Mortgage Disclosure Act […]
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CFPB updates 2022 dollar amounts for credit card penalties, HOEPA triggers and QM limits
NEWS: The Consumer Financial Protection Bureau (CFPB) has released its annual updates to three threshold dollar figures that are important for credit unions with credit card and mortgage loan programs. The […]
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New Juneteenth federal holiday seems to have immediate compliance implications
NEWS: Yesterday, President Biden signed legislation making June 19 – known as Juneteenth – a federal holiday. It marks the date in 1865 when hundreds of thousands of enslaved men […]
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CFPB: Lenders can’t discriminate based on sexual orientation, gender identity
NEWS: The CFPB issued an interpretive rule yesterday, clarifying that federal laws block discrimination in lending based on sexual orientation and gender identity. This includes “discrimination based on actual or perceived non-conformity […]
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CFPB: 2013 Real Estate Settlement Procedures Act (Regulation X) and Truth in Lending Act (Regulation Z) Mortgage Servicing Final Rules – Small Entity Compliance Guide (November 3, 2014)
The purpose of this guide is to provide an easy-to-use summary of the Mortgage Servicing Rules. This guide also highlights issues that small creditors, and those that work with them, might […]
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CFPB: TILA Higher-Priced Mortgage Loans (HPML) Escrow Rule – Small Entity Compliance Guide (January 6, 2014)
This guide has been updated for the following changes – the May 2013 Final Rule and October 2013 Final Rule and the 2012, 2013 and 2014 lists of rural and underserved counties as appropriate. […]
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CFPB: Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z), Federal Register 78 FR 79730 (Dec. 31, 2013)
This is the final “Know Before You Owe” rule as published in the Federal Register on December 31, 2013. It does not take effect until August 1, 2015. This document […]
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America’s Credit Unions : e-Guide – Truth in Lending (Reg. Z)
This links to America’s Credit Unions’ e-Guide section on Truth in Lending. (Note: Requires America’s Credit Unions login.)
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FED REG: Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z), Federal Register 78 FR 79730 (Dec. 31, 2013)
This is the CFPB’s final “Know Before You Owe” rule as published in the Federal Register on December 31, 2013. It does not take effect until August 1, 2015. This […]