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Hazard Insurance HELOC HIDTA/HIFCA HMDA HMDA Heaven HOEPA Holiday/Vacation - Bank Home Equity Home Improvement Homeownership Counseling HUD Human Resources Humor denotes Guru Question & Answer. Hazard Insurance Business Loan Disclosures Commercial Loan Insurance The Flood Insurance Reform and Modernization Act of 2007 FDIC Flood Audit - Pulling the Flood Cert Calculating Amount of Required Hazard Insurance Flood Insurance Coverage - No Appraisal Flood Zone Re-mapping Notices Oops! We May Have Flood Penalty Disaster Flood Letter Not Furnished Determining Builder's Risk Coverage Flood - Force Place Per Customer's Request? Condo Flood Insurance Disclosures When the Zone Differs Force Placed Insurance - Amount of Coverage Loan Renewal - Flood Certification Notice Is a Flood Letter Sent to the Borrower Sufficient? Determining Flood Insurance on Condos/Townhomes Flood Coverage - Loan Secured by Rent Houses Flood Insurance Shortfall Obtaining Additional Flood Insurance Does this Cancel the Flood Violation? HELOC Extends Past 7 Years - New Flood Required? Flood Determination/Notices Multiple Loans, Deeds & Flood Certs Flood Coverage on New Condo Project Two Flood Certifications/Determinations Needed? Loan not In SFHA - Monitor Flood-mapping Change? Signing a New SFHD Form for Remapped Property Flood Insurance Condo Coverage Flood Insurance Liability Obtain & Retain Borrower's Signature on SFHD Complying with FDIC SCANS bulletin #Chiro-04-2001 Flood Certificates for Subdivision Mobile Home Owners Insurance In Lieu of NFIP/ WYO? eLOMA is Now Available to Speed Up Receiving FEMA Letters of Map Amendment Flood Certificates Dispute of Flood Zone Flood Search Flood Hazard - 10 Day Waiting Period Fee Limitations on Forced Placed Flood Insurance New Flood Hazard Determination Form Flood Insurance Catch 22 Flood Insurance on Shed and Irrigation Pump? New Truth in Lendingon Modification of Existing Loan Two Part Flood Question HMDA - Definition of a Refinance How Soon Must Flood Determination Be Pulled? Flood Insurance as it Pertains to Reg Z Must We Use the FEMA SFHDF Document? Flood Requirements (PDF) True or False - Reg Z Flood Insurance Coverage Storage Buildings in Flood Hazard Area Disclosing Hazard Insurance on HUD-1 Flood Insurance Flood again, with a different wrinkle Determining the hazard insurance requirement Flood Compliance Tip Life of Loan Designation Disclosing Property Taxes Under RESPA GLBA agreement with third parties Signature for Flood Hazard Purposes Renewing loans, property improvements, and flood Advance Notice of Hazard Insurance Force Placement Additional Flood Insurance for Line of Credit Determining Flood Insurance For Condo Units Flood Insurance Needed? Calculation of NFIP Insurance Benefits Will Your Collateral Remain Insured? Hazard Insurance Disclosure & RESPA Disclosing The Cost Of Hazard Insurance Insurance Requirements For Lender Forced-Placed Hazard Insurance HELOC Document Needed for HELOC Extension Outside Banner Advertising a HELOC HELOC Marketing Customer Appreciation HELOC Offer Radio Advertising Disclosures Investment Property - Residential HELOC Financing Disclosure of HELOC Early Termination Fee HELOCs & ARM Disclosures Non-owner Occupied HELOC - ROR Period Home Equity Application HELOC Overdraft Protection And the Disclosures Go To.... HELOC Visa Referral and Rewards Program Info Needed on Adjustable Rate HELOCs Credit Agreement Amendment HMDA Reporting - Opting Out Equity Line of Credit - Exempt from ROR? Auto as Additional Collerateral on a HELOC HELOC Suspected of Being Used for Money Laundering HELOC Rescission Non-cash Gift HELOC Promotion Treat Them as an MSB? HELOC Extends Past 7 Years - New Flood Required? Transferring HELOC Funds into Checking Account Expiration of HELOC Apps/Disclosures? ACH Transactions on HELOCs Fact Act Letter Teaser Rate Disclosures Floor and Ceiling Rate Disclosures HMDA - Optional & Non-Reportable Credit HELOC - Disclosing Closing Costs HELOC Payment Stream Calculation HMDA, HELOCs and Monitoring Information HELOC - Loan Advance by Spouse Not on the Note HELOC TIL Reimbursable Violation? HELOCs & Fixed HEs - Flood Insurance Tracking We Don't Report HELOC's Under HMDA, However... HELOC Past Due - Offset Business Account 10% Fee on Every Draw from a HELOC HELOC Late Fees HELOC - Who Signs the Note? Open HELOC & HMDA Reporting HE Loans with Rates Based on Commitment Tiers Early Disclosure Rules on Seconds Freezing the HELOC Account HMDA Reporting & Commercial Loans HELOC - Notice of Right to Rescind HELOC - Notice of Right to Cancel Timing of the GFE Offering Insiders HELOCs with No Closing Costs HELOC Rules & Advertising "Variable Rate Tied To Prime Rate" 15 year Historical Rate Index Table & the APR Borrowing on Home Owned By a Business LLC Client Doing a HELOC on Personal Residence Freeze or Close Out Available Credit on a HELOC HELOCs & HOEPA (PDF) HMDA (PDF) Servicing Transfer Notice Notice of Transfer on First-Lien HELOC? Refinancing a HELOC as an ARM Limits on Texas HELOC Loan to Value? A HOEPA or Not a HOEPA - How to Tell Affiliated Business Disclosure for HELOC Referral Servicing Transfer Notice Affinity Group Banking Program Marketing Campaign to Existing HELOC Customers Outside Banner Advertising a HELOC Putting the LOCK on a HELOC -- Can Do? Two HELOC questions Prescreened borrower now unemployed Benefits of Cash-Out Refinancing Collecting GMI on HELOC Applications Timing of Appraisal Notice on HELOCs HELOCs, Direct Mail Promotion and Disclosures When to Make Early Disclosures Offering Consumers a Fee for Customer Referral When is a Web Application an Application? Faxed Mortgage Loan Application Pros and Cons of HELOC Debit Card Access Advertising HELOC on Website Banner Setting the HELOC Maturity Date Home equity line of credit and right of rescission Mortgage Application OK for HELOC? When Are Early Disclosures Required? Rescission and Home Equity Lines Residential Mortgage Tied to Prime Rate Do We HUD-1 This HELOC? HOEPA and Demand Clauses HELOC Disclosures Do We Disclose if We Charge Back a HELOC Check? Do We Send Disclosures to HELOC or Credit Card Accounts? Will Credit Card or HELOC Checks be Imaged? Application of Rescission to Business HELOCs Commercial Loan Now HMDA Reportable Is a Home Equity LC HMDA Reportable? Advertising Construction Loans Reporting HELOCs on HMDA Report Retention Period on Home Equity Loan Files HELOC Tied to ODP Guru Chatter on HMDA/HOEPA Additional Flood Insurance for Line of Credit Rescission on HELOCs Disclosures on HELOC to Purchase Home RESPA and HELOCs Changing Credit Limit on HELOC Debit Cards Tied to HELOCs Right of Rescission on HELOC? Early TIL on Home Equity Line? Rescission in Mixed Loan Joint Closing "Customization" of HELOCs HOEPA Disclosures & Closed-end Home Equity Loans A HELOC for a Living Trust? Purchase money open end line of credit? HELOC Rules & Advertising "Variable Rate Tied To Prime Rate" Placing Floor Rate On Existing HELOCs Home Equity Loan, Rental Property Collateral, and HMDA Mortgage Notices: Late Charges & Due Date Home Equity Loan, Primary Residence, and ROR One Property, Two Loans: Two Flood Determinations? Guidelines For Reporting HELOCS Insider Lending Limits & Mortgages Software Available To Compute Historical Data For HELOC Programs Purchase Money Loan, HELOC, or Both Accessing HELOC Accounts: DDA Accounts, Debit v. Credit cards, and Unsolicited Delivery APRs and HELOCs Disclosures: Using A HELOC To Pay Off First Mortgage Payoff of Home Equity Loan vs. HELOC Required Disclaimers For Radio Ads Required Checking Accounts For HELOCs HELOC: The software printed the wrong index. Do we need to send new disclosures? HIDTA/HIFCA Risk Assessment Survey Form How Does a Bank Determine If It Is In a HIFCA? Your Bank's "Location" and CIP CIP Week (PDF) HMDA Regulation C - Home Mortgage Disclosure Collecting GMI on Loans Not Reported on HMDA LAR HMDA - What Census Tract Info Do We Use? HMDA - Recouping Home Improvement Costs Temporary Construction Loan - Does HMDA Apply? HMDA Reportable - Tax Saver Reporting on an Application Withdrawn/Closed Loan HMDA -Short Term Loan Refinanced for a Longer Term Second Mortgage HMDA Reportable? Servicing Sold, Note Retained - Report Loans? HMDA - Define Temporary Financing Deceased Applicant - HMDA Reporting? HMDA Lobby Notice Posting HMDA Data - Phone, Internet or Mail Applicants P and I Payments - HMDA Reporting HMDA File Review - LAR Requirements HMDA Rate Spread - HOEPA Disclosures Reporting CD Secured Loan on the LAR HMDA Reporting - Condo Association Improvements Asset Size - HMDA Reporting HMDA Triggering Loan Tracking for Census Tracts Applicable Disclosures for an Apartment Purchase Fixed Equity Loans - HMDA Reporting Required? GMI Yi-Yi -Yi! HMDA Reporting - Opting Out HMDA Reporting - Reverse Mortgages HMDA - Unsecured Loan Used as Down Payment HMDA Reporting on Unsigned Loan Documents One Loan for Two Properties - HMDA Reporting HMDA Reporting- Dwelling Being Converted to Office HMDA Reporting on an In-house Renewal Acquisition & Merger - HMDA Reporting Requirements HMDA - Business Loan on a 1-4 Family Property Home Equity Reported on the HMDA LAR? HMDA Reporting on Bahamian Condo Business Loan Renewal - HMDA Reporting HMDA Reporting on an Unsecured Loan HMDA Reporting - Refinance of Rental Properties RESPA and/or HMDA Applicable? HMDA Reporting - Loan to Purchase a Storm Cellar Commercial Loans - Required Disclosures Business Purpose Loan Disclosures Commercial Loan - HMDA Reporting Credit Report Constitutes an Application? Farm Credit Loan Refinance - HMDA Reporting Determining HMDA Codes on Incomplete GMI GMI Collection on a Fixed Rate Home Equity Loan HMDA Reporting - Loan Application Correction HMDA Reporting - Home Loan Down Payment Reporting FHA/VA Loans on the LAR No Lien Perfected on Property - HMDA Reporting? Moblie Home Loan - HMDA Reporting HMDA Reporting of a Home Improvement or Refinance Repurchased Loans Treated Like Bank Purchases? Dwelling Will Be Destroyed � HMDA Reporting HMDA Reporting - Mortgage on Vacant Land HMDA - Refinance of a Short Term Loan Is this Discriminatory? Loans Subject to HMDA Is this Renewal HMDA Reportable? HMDA Qualification HMDA - Motel Loan Is This Loan Subject to the Regs? Pre-approval Confusion HMDA Filing Help Assisted Living Facility - HMDA & CRA Reportable? HMDA Reportable or not? HMDA - Optional & Non-Reportable Credit HMDA - Investment Purpose Loan HMDA Definitions of Ethnicity HMDA Reporting - Dollar Amount HMDA Reporting on Commercial Loans HMDA - Refinance of Time Share HMDA - Originating Institution Where can I get Fair Lending Market Data to compare with my performance? HMDA, HELOCs and Monitoring Information HMDA Reporting on a Cash Out Refinance Loan HMDA Reporting - Short-term Loan for a Spec Home HMDA - Reporting the Term of the Loan Mixed Use Property - HMDA Reportable? New Home Purchase - HMDA - Residential Property Loan Secured by CD We Don't Report HELOC's Under HMDA, However... Loan Secured by CD, HMDA Reportable? HMDA -Second Applicant Considered a "Co-borrower"? RESPA Exemption for Interim Financing? Borrower Isn't Homeowner, HMDA Reportable? Open HELOC & HMDA Reporting HMDA - Time Share Refinancing HMDA Reporting on a Term Loan HMDA - Transaction Secured by Other Dwelling Is a HI Loan Secured by Auto HMDA reportable? Non-HMDA Reporting Bank Required to Collect GMI? HMDA - Better to Over Report than Under Report? Multi-purpose Classification Early Disclosures and HMDA - Refinance HMDA Conundrum Defining Temporary Financing, Then & Now HMDA Classification - Log Home HMDA and the Reverse Mortgage Loan Collecting GMI on Non-HMDA Reportable Loans Mobile Home Secured by a CD, HMDA Reportable? Are Subprime Loans HMDA Reportable? Is this Dual Purpose Loan HMDA Reportable? Are Ag Loans HMDA Reportable? HMDA Reporting & Commercial Loans Consumer Swing Loans Subject to HMDA Reporting Commercial Purpose Loan Made to an Individual HMDA - Difference Between Prequalify & Preapprove HMDA - Interpretation of the Pre-approval Program Is the Lot Site HMDA Reportable? HMDA Mobile Home Loan - Title is Being Retired Bridge Loan Secured by an MMA-HMDA Reportable? Collecting GM Under Reg B on Temporary Loans What Income Do We Report for HMDA Purposes? HMDA Reporting on Refi of Home Improvement Loan Offering Accommodation Loans to Business Customers HMDA Reporting on Loans Sent to Secondary Market Commercial Real Estate Loans Reg B Reportable? HMDA - Classify Loan as 1-4 or Mobile home? Part Commercial/Part Residential, HMDA Reportable Reporting Income for HMDA Loans Is this Mobile Home Loan a RESPA Loan? Motel as Collateral on Business Loan, Reportable? HMDA Reporting Issues on Temporary Financings Collecting GMI When Borrower is a Trust With or Without Monitoring Information Secured by a Different Dwelling, HMDA Reportable? HMDA Reportable? Initial Application Date for HMDA Purposes Business Borrower with Cosigners - GMI? Is a Loan Renewal HMDA Reportable? HMDA - Definition of a Refinance Occupancy Code for Trust Borrower Conditions of Approval Unmet -- Action Taken Code Incomplete HMDA Applicant Info - Contacting Broker HMDA - Which Date Do I Report? Application Considered Pre-approval Under Reg C? Is This Refinanced Business Loan HMDA Reportable ? HMDA Reporting - Refinance to Buy Out Second Owner Mobile Homes and HMDA CRA & HMDA Policies Required? CRA Reporting for Community Development Loans HMDA - Definition of a Refinance Another Multiple Properties Question Multiple Properties -- What Gets Recorded on LAR? Is This What's Called a Pre-Approval? Address to Include in HMDA Notice Reporting a Mortgage-Secured Letter of Credit Application Date for Prequalified Applicant HMDA (PDF) HMDA Reporting & the "Short Term" Loan Whens & Whats of Written Preapproval Program HMDA -- Choosing the Property if More Than One Privacy, Compliance, and Disclosures Subject to Lending Test & Reporting Requirements? Is this application withdrawn, incomplete, or ??? Is this Car Loan Subject to HMDA Reporting? CRA or HMDA? Does HMDA Apply to THIS Business Loan? HMDA Reporting for Broker/Lender HMDA on a Commercial Loan Grossing Up HMDA Income Is Home Equity 2nd HMDA Reportable? Is this a HMDA reportable loan? How is this coded for HMDA? HMDA with more than two applicants Definition of Temporary Financing Question about HMDA code 7 Will HMDA Lead to Litigation? Does HOEPA apply to this situation? HMDA Preapproval question HMDA Code for Race Refinance or not? Reporting Tract No# on Property With No MSA/MD No# Collecting GMI on HELOC Applications HMDA Reporting on an Unreturned Loan Application Do We HMDA a Loan for New Appliances? Copies of IDs in the Mortgage File, Yea, Nay? Incomplete Automated Applications and HMDA HMDA Refinancing -- Defined HMDA or CRA? Home Improvement Loan Secured by Vacant Lot HMDA and the Mobile Home Park Term Used for HMDA Rate Spread Calculation What Determines if a Loan is HMDA-HOEPA Loan Denial Notice Is this prohibited discrimination? Do Brokers Do the HMDA Dance? We've filed our HMDA LAR - what next? Business Loan CRA/HMDA Reporting HMDA Definition: "Satisfies and Replaces" HMDA LAR "Purchaser" Field Definition CRA: How Are We Doing? CRA/HMDA Tools: Income by Tract First or Subordinate Lien? HMDA -- Recording a Withdrawn Application HMDA high-cost triggers Are Home Equity Loans HMDA-Reportable? HMDA, Home Purchase Loans and the "Date of Action" Frequency of a Rate Spread "Hit" Action Date for CRA Small Business Loans RESPA & Vacant Lot Mortgages Temporary Financing Under Reg. C Government Monitoring Information HMDA MSA Boundaries What is Temporary Financing Guru Compilation: HMDA (PDF) GMI Regardless of Lien Position HMDA Refi vs. Modification HMDA Rate Spread Reporting Occupancy on LAR, 2nd Home HMDA Rate Spread Determination Dates HMDA Borrower is a Trust HMDA Race & Visual Observation Are We Looking At The Right Stuff? Is This HMDA Reportable Did HMDA Allow "NA" Entries Pre-2004 What "Note" Makes it HMDA Reportable The Masses Are Still Confused on Refinancings GMI on New URLA Confusion Over HMDA Coverage HMDA Refi Test HMDA Reason for Denial HMDA Reportable Assisted Living Residence Who Should Certify HMDA Data Motel Loan HMDA Reportable? Posting the HMDA Notice for a New Reporter OCC Required Information, Mortgage Loans Interim Construction Inspections What Do We Really Get From Monitoring Data? HMDA Occupancy Code Non MSA Property Does a Fax Equal a Phone Call? HMDA Rate Spread Calc, - But Other Security Commercial Loan Now HMDA Reportable HMDA Home Improv. Reportable Business Purpose Loan, Residential Refinance, and HMDA Calculating the Rate Spread Prequals Under HMDA HMDA Revision of Definitions/Rules Do Commitment Letters qualify as a Preapproval? Is a loan to a mobile home dealer for an individual mobile home reportable under HMDA? First Time HMDA Reporter Has Questions Temp Loan to Rehab Property: HMDA Reportable? When to Audit HMDA 2004 Information Is a Home Equity LC HMDA Reportable? Exception to LTV Ratio Reporting HELOCs on HMDA Report New HMDA Sign Reporting Small Dollar Withdrawn App HMDA Info on Brokered Loans Finding a Census Tract Number Guru Chatter on HMDA/HOEPA HMDA: How Did HMDA Happen? Lien Status Reporting Under HMDA HMDA Reporting for Bank That Sells All Loans New HMDA Tools HMDA Help Definition of Multi-Family Dwelling HMDA Triggered by Pump Repair Loan? HMDA and Reporting Second Mortgages HMDA Reporting of Originated and Purchased Loans HMDA: Final HMDA Rules for 2004 Under the Revised HMDA Regs 2004 HMDA Reporting Checklist? HMDA Data Collection for 2003 Home Improvements, New Improvements, and HMDA Reporting Reporting Home Improvement Loans Are disclosures necessary for a $1MM consumer loan? Is new information required on every application? Home Equity Loans, Property Purchases, and HMDA New Branches & CRA/HMDA Reporting HMDA & Multi-family Dwellings FFIEC and the Reclassification of MSA Branches Non-HMDA Reporting Bank Required to Collect Data? Home Equity Loan, Rental Property Collateral, and HMDA Funding Institution or Originator: Who is required to record the transaction on the HMDA LAR? HMDA Classification Of Action Taken New loan numbers for customers who reapply Guidelines For Reporting HELOCS Does right of rescission and HMDA apply for unsecured home improvements? LAR Information Recorded Without Monitoring Info Guessing For HMDA Info On Phone Applications? Reactivating a loan file as a result of a new application Preliminary Mortgage Disclosures: Should we send them on Submission or completion of the application? Civil Money Penalties? Loan Cancellation By Customer & Adverse Action Notice Regulations: Defining Application Is a loan to fix up and sell HMDA-reportable? Unsecured Home Improvement Loans & HMDA HMDA: If the loan is for a gift, is it reportable? Are short term home improvement loans reportable on HMDA? Using One Application For Checking, Savings, Cash Accounts & Loans Oh, Look! More C: FRB Expands HMDA Coverage Non-Reportable HMDA Loans Creating A One-Size-Fits-All Loan Application Obtaining Monitoring Data By Phone HMDA and LAR Retention Requirements Does HMDA apply when the loan purpose is for a down payment on a home but the collateral offered is a car? Dwelling Refinance, Debt Consolidation, and HMDA HMDA, Home Improvements, and Multi-Family Dwellings Home Loans & HMDA Reporting HMDA & Renewing A Residence-Secured Business Loan HMDA Reporting & Closed End Home Equity Loans HMDA Reporting, Commercial Loans, and GMI Open-ended Credit Disclosures & HMDA Reporting Inconsistencies Between HMDA And The New Reg C Changes Consumer Non-Principal Dwelling Loans: Should we collect monitoring data? Avoiding Common Pitfalls Of Compliance Data Collection Refinancings and HMDA Threshold for HMDA Newly Covered by HMDA When HMDA Applies HMDA Changes Finalized Are Business Loans collateralized by dwellings reportable under HMDA on our LAR? Address Change for CRA and HMDA Data What Are The Upcoming Changes In Reg C / HMDA HMDA: Is adding a small business to a home considered a home improvement One Tract of Land, Multiple Dwellings & HMDA Short-Term Loans & HMDA Reporting Play "Spot the HMDA Problems" Reporting Assigned Loans HMDA & Monitoring Data LAR Mysteries Explained FRB Issues Proposal to Expand HMDA Reporting Specific Issues for Comment How to Comment Sample Reg C Comment Letter Reinstated Applications: Practical Application of the HMDA Commentary Loan to a Trust: HMDA Reporting Requirements Question & Answer Old Compliance Laws Never Go Away HMDA Exemptions Announced FRB Issues Proposal to Expand HMDA Reporting FRB To Review Regulation C COMPLIANCE NOTES - Small Banks for HMDA COMPLIANCE NOTES - Another HMDA "Small" Rule COMPLIANCE NOTES - The Government's HMDA Software is Free COMPLIANCE NOTES - Congressmen for ECOA Data Collection And We Wonder Why Customers Get Angry! COMPLIANCE NOTES - HMDA: The Cost of Non-Compliance Question & Answer COMPLIANCE NOTES - HMDA Small Bank Exemptions Question & Answer FRB Updates LAR for Y2K Regulatory Simplification On The Prowl With Regulations B & C HMDA Data Use It Question & Answer HMDA Surfing Question & Answer COMPLIANCE NOTES - HMDA Tools COMPLIANCE NOTES - HMDA Exemption Size Grows COMPLIANCE NOTES - HMDA Help COMPLIANCE NOTES - Submitting HMDA Data Question & Answer How The FRB Uses HMDA Data For Fair Lending Question & Answer Alert: The HMDA Commentary is Out! More On The HMDA Commentary Small Bank HMDA Exemptions Another FRB Proposal! Tools, Tools, Tools Question & Answer Question & Answer Question & Answer Question & Answer HMDA Heaven HMDA Heaven HOEPA HOEPA 2008 Threshold HMDA Rate Spread - HOEPA Disclosures HOEPA Worksheet Query HOEPA - Pipeline Loans HOEPA Worksheet Completion Sample HOEPA Disclosure Form HOEPA & Business Purpose Loans HPA & Mortgage Loans with PMI HOEPA Calculation Annual PMI Notice 2007 HOEPA Base Fee Amount Are All Loans Subject to HOEPA? It's Back! 30 Year Maturity Series Promoting a Mortage Product - Reg Info & Issues Making & Closing a HOEPA Loan Lowering the Cost of a High Cost Loan HOEPA Home Improvement Loans HOEPA Definitional Difference Disclosures for Funding HOEPA Credits?