Guru Question & Answer .Hazard Insurance Flood Insurance - Wait Until a Triggering Event? Flood Zone Lending Timeframe to Provide Flood Insurance Property Was Not in Flood Zone - New Flood Certification? Mobile Home - Private Flood Insurance Required? Updating Flood Insurance Flood Map Revision Flood Insurance & Mobile Homes Flood Hazard Determination - Commercial Property No Flood Notice Given - Force Place Flood? Flood Certificate – One Time or Life of Loan? Flood Determination Date & ROR Mandatory Flood Coverage on All Buildings? Flood Insurance - Additional Premium Owed Property Deemed to be in the SFHA Determining the Flood Premium & Disclosing on GFE Flood Zone - Must Determination & Policy Match? Flood Insurance - Conflicting Zones Flood Penalties Calculating Condo Hazard Insurance Coverage Dating Flood Research Data Flood Compliance & Master Certifications 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 HELOC Monthly Statements HELOC - New Early Disclosures & Higher Price Loans HELOCs Subject to MDIA? Existing HELOC Promotion Credit Card Act – HELOC Statements HELOC Modification Credit CARD Act - Cash Reserve Accounts & HELOCs Final TIL on a HELOC The 21 Day Window Advertising No Closing Costs HMDA - Home Equity Term Loan Vs HELOC Changes and Proposed Amendments to Reg Z Reducing Line of Credit - RESPA Violation? Three Rate Spread Questions Increasing the Floor on HELOC Agreements Collect GMI on a HELOC? ROR on Mortgage & HELOC Closing Simultaneously Combining Loans – Does ROR Apply? Adding Spouse to Open-End HELOC Acquired HELOCS - Change in Terms Renegotiating Indefinite HELOCs Imposing a Default Rate of Interest on a HELOC Overdrafts Covered by HELOC Home Equity Line of Credit - Open End ROR on HELOC Renewal? HELOC Rate - Floating or Fixed? Son of HELOC Account Holder is Authorized Signer 15 Year Historical Example on a HELOC Disclosure HELOC - No ROR Required? HELOC Outside Banner Is This HELOC Renewal Considered a Refinance? Fair Housing - Disclose Assets/Net Worth HELOC Secured by a Second Home HELOC Suspension Letters - 202.9 Requirements Must We Redisclose Thousands of HELOCs? HELOC Modification Or a New Loan Required? Change in Terms, No New Money, ROR Needed? HELOC Documents Extending a Revolving Line of Credit, Give ROR? Divorce & HELOCs GMI on a HELOC - Home Purchase or Refinance Equity Line of Credit – Funds Disbursal Tying a HELOC to the Prime Rate ROR on Second Trust Deed HELOC Loan HELOC - Property in a Land Trust Mobile Home HELOC Business Purpose HELOCs? HELOCs Without a Maturity Date? HELOC Modification - Extending the Draw Period 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 HMDA & CRA Reporting – Farmland Loan HMDA Reporting – Condominium Units HMDA Reporting - Mobile Home Refinance Loan to a Corporation – Correct Application Form HMDA Refinances - The Commentary Rules HMDA – Mobile Home Purchase HMDA LARs – 09 De Novo Bank HMDA Reporting – Show Mother as Grantor? HMDA Reporting Threshold HMDA Reporting – Bridge Loans Change Loan Back to Preapproval Status? HMDA Reporting Rules for Acquired Institutions HMDA - Home Equity Term Loan Vs HELOC HMDA Data Collection - Source Documents HMDA LAR – Business Purpose Loan HMDA Reporting - Home Equity Closed-end Loan HMDA - Owner Occupancy Designation HMDA – Loan Renewal/Increase on Rental Property HMDA - Unaffixed Manufactured Homes HMDA/Gov Monitoring on Applicant & Co-signer HMDA Reporting - Permanent Financing HMDA - Data Reporting Owner Occupancy HMDA Re-file HMDA LAR - Boat Dock & Lake House Purchase HMDA Reporting – Dwelling Used for Day Care GMI Collection – Purchase of Primary Residence HMDA – Which Date Do We Use? Point & Fee Test or APR Test? Revocable Living Trust & HMDA LAR Reporting Loan to LLC Sole Owner - HMDA or Purchase Money? CRA Reporting - Small Business/Small Farm Loans HMDA – Loan Coded as Business/Residence Combo Commercial Loans – What’s HDMA Reportable? HMDA Reporting – Mixed Used Property Loan CRA Loans & HMDA Logs Loan Modification – HMDA Reportable? Owner Occupied Second Homes & Vacation Homes HMDA Reporting - No Written Pre-Approval Program Not Subject to HMDA Reporting – Collect GMI? HMDA Reporting – Loan Secured by Lien on Dwelling HMDA Log - Order Information is Entered HMDA Reporting - Closed-End Lines of Credit HMDA Reporting - Modified Construction Loan Not a HMDA Reporting Bank - URLA Required? HMDA - Double Reporting? HMDA – Repurchase of Loan HMDA -- Changes to Pricing Information Reporting Oct 2008 HMDA – Report as a Purchase or Refinance? Additional Funds to Complete Home Construction Loan Secured by Son's Home - HMDA Reportable? HMDA Reporting - Selling a Participation Loan Borrower Discontinues Loan Application CRA LAR – Coding Group Homes Is the Assumption a Refi or Purchase Purpose Loan? Is This HELOC Renewal Considered a Refinance? Houseboat Purchase - HMDA Reportable? Reporting HMDA Data to the Board Full Amount of Fee as Prepaid Finance Charge Reporting Non-Mortgage Loans under HMDA Houseboat Loan - Residential or Consumer Loan? HMDA - Swimming Pool Loan Secured by Automobile We Don't Do HMDA Reporting - Do We Collect Info? Cash Out Loan - HMDA Reporting HMDA Reporting - Multiple Advance Open Ended LOC HMDA Reporting - Home Purchase w/CD as Collateral HMDA Reporting - Office Isn't an Official Branch HMDA - Extending a Current Obligation Refinance of Primary Residence - Collecting GMI HMDA - Non-Reportable Bridge Loan? HMDA & Reg B - Temporary Financing? HMDA Reporting - Commercial Loan Refinance HMDA Reporting - Loan Secured by Apartment Building Bridge Loans & HMDA Determining Income HMDA Reporting on a Commercial Line of Credit Mortgage Loan Changes - Redisclose the Loan? Hunting Camp - HMDA Reportable? HMDA Reporting - Commercial Loan Refinancing Automated Underwriting System - HMDA Reporting 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 - Consumer Price Index
HOEPA Worksheet for Loans after 10/1/09 HOEPA Exemption Looking for a Cure Point & Fee Test or APR Test? Real Estate Transaction Fees Fixing HOEPA Violations HOEPA & Bridge Loans HOEPA - Minimum Loan Amount Reporting Forty Year Mortgage HOEPA Test Higher Priced Mortgage Loan Rules HOEPA - Combined Transaction Loan Offering A and H Insurance on a Real Estate Loan Reg Covering PMI Upfront Disclosures HOEPA Rate Spread Amounts Calculation of Fees Subject to 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? A HOEPA or Not a HOEPA - How to Tell Chart for fees in APR and Section 32 Calculation of HOEPA Fee Trigger/ MOB Not Included HOEPA - New Points and Fees Dollar Threshold Balloon Loans and HOEPA Terms Does HOEPA apply to this situation? HOEPA Reporting Threshold There Must Be a Software Solution Which HOEPA rate do I use? What Determines if a Loan is HMDA-HOEPA HOEPA Rate Terms and Rounding HMDA high-cost triggers Inclusion of Which Fees for HOEPA HOEPA and Demand Clauses Balloon Loan Disclosures HOEPA's Treasury Rate Calculation HOEPA Rate Spread Selection HOEPA Test for Denials Selecting Correct HOEPA Index Fees Under Section 32 of Reg Z HOEPA - Rescission Waiting Period
APR Calculation on a Demand Loan HOEPA and Balloon Payment Provisions Are there Worksheets for HOEPA Requirements?
Timing on HOEPA Disclosures
HOEPA Disclosure Timing Guru Chatter on HMDA/HOEPA Complying with HOEPA Abbreviations on HOEPA Calculator Saturday and HOEPA HOEPA Disclosures & Closed-end Home Equity Loans What is HOEPA?
Reg C, HOEPA, and Maturity
Curing HOEPA Violations
Fees For In-House Flood Determination Calculating HOEPA Loan Amount? Reg Z: Possible "Finance Charge" Violation Mobile Home Title Held As Security: Does HOEPA Apply? Does refinanced loan fall under HOEPA? HOEPA penalties?
Do HOEPA regulations require the customer to sign the disclosure? HOEPA: Comparable Security For A 30-Year Loan HOEPA Definition: Residential Mortgage Transaction HOEPA: What should I use for a "treasury security with a comparable maturity"? Excluded Loans Under HOEPA HOEPA Changes Explained HOEPA & Mobile Home Loans HOEPA & CEPA Information HOEPA Benchmarks RESPA & HOEPA Disclosures HOEPA Worksheet: It's just a click away. HOEPA Worksheet Resource Reg Z Revision Makes More Loans Subject to HOEPA Holiday/Vacation - Bank Holiday Closing Sign Rules ROR Applicable on a Fed Reserve Holiday? Posting Holiday Closing Signs Double Standard on Two-Week Vacations Signage Required for Holiday Closings Counting Saturdays for ROR on Home Equity Loans Posting Holiday Closed Notices Maximum Days a Bank can be Closed Posting Holiday Signs Right Of Rescission, New Commentary, and Holidays Is Martin Luther King's birthday considered a business day for right of rescission purposes? Home Equity Second Lien HI & HE Loans - Servicing Disclosure Advertising No Closing Costs HMDA - Home Equity Term Loan Vs HELOC About the Home Equity Conversion Mortgage HMDA Reporting - Home Equity Closed-end Loan Home Equity Loan Disclosures Home Equity Loan to a Trust Home Equity Loan & Right of Rescission New Reg Z Rules and Balloon Payment Disclosures New Tax Deductibility Rules Not Subject to HMDA Reporting – Collect GMI? HMDA Reporting – Loan Secured by Lien on Dwelling Preliminary TIL No Longer Required? Multiple One Month HE Loan Extensions Rate History Disclosure Advertising Tax Benefit Stop Pay on Checks Issued from Home Equity Product Mobile Home Equity Loan? Home Equity Loan - Final TIL Radio Advertising Disclosures Loan Funds Disbursal Amortized Home Improvement Loans Reg B - Which Form Do We Use? Hidden Trigger Term? Home Equity Application Closed-end HE Loan - HUD Statement Required? Dry Erase Board Ad Home Equity Reported on the HMDA LAR? Home Equity Loan on Construction -- Rescindable? Home Equity Closed-end Loan Disclosures HUD Settlement Statement Required? GMI Collection on a Fixed Rate Home Equity Loan HELOC Suspected of Being Used for Money Laundering HMDA Reportable or not? HMDA - Refinance of Time Share PMI on Home Equity Loan
GFE Disclosures HELOCs & Fixed HEs - Flood Insurance Tracking Home Equity Application Requirements Consumer Loan Becomes a Commercial Loan Funds Released Prior to the ROR Period Home Equity Loans - Required Forms? Affiliated Business Arrangement HE Loans with Rates Based on Commitment Tiers Twelve Month Waiting Period on Home Equity Loans Note Date or Deed of Trust Filing Date? HELOC Rules & Advertising "Variable Rate Tied To Prime Rate" Pre-approved Home Equity Loan Promotion Banner Ad Disclosures Disclosing Pre-payment Penalities in HE Loan Ads Home Equity Loan to Revocable Trust Number of HE Loans Allowed for Single Property Card Access to Home Equity Reg Z: First Mortgage Liens & Home Equity Loans Affinity Group Banking Program Is Home Equity 2nd HMDA Reportable? POC Insurance on GFE for Home Equity Loan? Free Phone Card - Getting a Referral In Return Purpose for Closed-End Home Equity Loan Rescission and Home Equity Lines Are Home Equity Loans HMDA-Reportable? What Fees Are Section 32 Applicable Residential Mortgage Tied to Prime Rate Disclosures to Non-Borrowing Owners GMI Regardless of Lien Position Rescission When Customer Borrowing for Land Counting Saturdays for ROR on Home Equity Loans Retention Period on Home Equity Loan Files Is a Home Equity LC HMDA Reportable? Rolling the Closing Costs into Loan Amount Exception to LTV Ratio Home Equity Loans, Property Purchases, and HMDA Placing Floor Rate On Existing HELOCs Home Equity Loan, Rental Property Collateral, and HMDA Required Home Equity Disclosures Payoff of Home Equity Loan vs. HELOC Home Equity Debit Card Withdrawals & Reg E Web Page Home Equity Disclosures Home Equity Loans & Collecting Government Monitoring Data Lending Protection Insurance Disclosure & RESPA Is the capitalization of interest on home equity loans prohibited? Is it predatory? RESPA: Using A Home Equity Loan To Purchase Another Home HMDA Reporting & Closed End Home Equity Loans Home Equity Loans and RESPA Combination Home Equity/Home Improvement Home Equity Loans For Property Owned By A Living Trust Open-ended home equity loans Home Equity & Demand Loans
Home Improvement No Origination Fee on HI Loans? RESPA & GMI on a Home Improvement Loan Second Home Purchase – Applicable Regs & Disclosures Additional Funds to Complete Home Construction RESPA on Rental Homes FDIC Loan Definitions Swimming Pool Loan Considered Home Improvement? HMDA - Recouping Home Improvement Costs HMDA -Short Term Loan Refinanced for a Longer Term Home Improvement Loan - Interest Paid Deductible? Amortized Home Improvement Loans Temporary or Permanent Financing? HMDA Reporting - Condo Association Improvements HMDA Reporting - Loan to Purchase a Storm Cellar ROR on Home Purchase & Home Improvements Loans Subject to HMDA HMDA Filing Help HMDA - Optional & Non-Reportable Credit Application Withdrawn if Documents are Signed? Borrower Isn't Homeowner, HMDA Reportable? HMDA Home Improv. Reportable Reporting HELOCs on HMDA Report
Guru Chatter on HMDA/HOEPA Days Before Funding on Home Improvement
Home Improvements, New Improvements, and HMDA Reporting Reporting Home Improvement Loans Homeownership Counseling Homeownership Counseling Still Required? HUD Mortgagee Letter 2006-08 Home ownership counseling notice Homeownership Counseling Notice on Repeaters Homeownership Counseling Is BACK! Securing A Loan With A Modular Home As Collateral Homeownership Counseling & Commercial Loans Secured By Primary Residence Can you tell me where to find a good accurate Homeownership Counseling Notice? Sample Notice of Homeownership Counseling
Notice Language for Homeownership Counseling Homeowner Counseling Clarification Notice of Default Counseling Letter Requirement Homeownership Counseling Notice Requirement The American Homeownership and Economic Opportunity Act of 2000 Are we required to give the "Notice of Default Counseling"? HUD Revised GFE & HUD - Disclose Property Taxes? GFE - New Tolerance Limits
Requesting Tax Returns at Time of Application POC Query Establishing an Escrow Account Updated HUD Settlement Cost Booklet New RESPA Effective Date - Clarification Needed HUD 1A - Rate Reduction Mortgage Reforms Being Current with New Changes to Mortgage Lending Home Equity Loan Disclosures RESPA Guidance Needed Secondary Market Mortgage Loan Disclosures Escrow Account & First Mortgage Payoff A Pair of RESPA Questions Origination Fee Discrepancy RESPA Changes on Hold? HUD 1-A Form Line 1604 Vacation Home Subject to HUD’s Reg X? Assumable Mobile Loan - Which HUD Form Do We Use? Disclosing Vendors Used in a Mortgage Loan Appraisers & the GFE Reflect All Fees on HUD Prepared by a Title Co? Listing Taxes on RESPA Forms Special Information Booklet and Refinancing Who Completes the HUD 1? Homeownership Counseling Still Required? RESPA Bridge Loan Exemption The HUD-1 and Lender Credit RESPA - Kickbacks & Mortgage Broker Fees Commercial Loan - HUD Settlement Statement? Closed-end HE Loan - HUD Statement Required? HUD Form - Bank's Responsibility Final TIL - Listing Names Addendum Conundrum Adjusting the HUD-1 Settlement Statement HUD Settlement Statement Required? RESPA - Won't Show the Fees as POC Reflecting Appraisal Fee on the HUD-1 Selling Mortgage Applications HOEPA Calculation Perplexed Over POC Mortgage Satisfaction Fees Charging a Credit Report Fee at Closing HUD Mortgagee Letter 2006-08 Treatment of Appraisal Fee on GFE and HUD-1 Bank Responsible for the Info on the HUD-1s? HELOC - Disclosing Closing Costs Flood Certification Fee Split SCRA - Finalized HUD Notice Seller Signs the HUD 1? HUD Fee Matching the TIL Fee Settlement Services - Specific Attorney Required Disclosing the Annual Estimated Real Estate Taxes Complying with FDIC SCANS bulletin #Chiro-04-2001 Early HUD Statements HMDA Conundrum HUD-1, Signature Required HMDA Classification - Log Home Reflecting the Refund of Fees on the HUD-1 RESPA Verbiage on Servicing Disclosures Payment of Taxes Disclosed on the GFE & HUD-1 Disclosing Referral Arrangement on the HUD-1 Form Cite for Short Form Servicing Disclosure Statement POC Costs & Property Taxes Listed on HUD-1A form Change in Completing the HUD-1? Attorney Creating a HUD-1 on Non-consumer Loans Forwarding Declined Loan Applications to Mortgage Company Updating the HUD Booklet for Revised URLA
$200 Coupon for Mortgage Loan Closing Costs RESPA (PDF) Transfer of Servicing Notice Signature Requirements HUD-1s and Fees CRA Compliance Straight Jacket Co-Borrowers, GFEs, and Signing the HUD-1 Origination Fee vs. Points Completing a GFE with "P.O.C" Special Information Booklet Not Provided, Penalty? Disclosing Hazard Insurance on HUD-1 Construction Loans No property identified -- Is the Application valid Construction and end loan and RESPA query Signing the HUD-1? Does Line X on the GFE and HUD-1 Have to Match Offering Consumers a Fee for Customer Referral HELOCs, Direct Mail Promotion and Disclosures Insufficient Tax Escrow Balance -- Now What? Real estate agent "to do" list? - Two loans at closing - one HUD-1 Do borrowers need to sign the HUD-1? Fee for Desktop Underwriter Refund of Rate Lock Fee -- POC? Paying Mortgage Referral Fees What Fees are Marked as Prepaid? Should the HUD-1 Show Fees Not Passed On HUD Instructions - Wheres the Point Go Do We HUD-1 This HELOC? Proper Completion on the HUD-1 Signing a HUD-1/1A Place of Settlement on a HUD-1/1A Combined Fees on a Mortgage Loan HUD 1/1A and Privacy RESPA Kickbacks: It Takes Two To Tango Showing Waived Fees on the HUD-1 Disclosing Property Taxes Under RESPA Proper Placement of Taxes on HUD-1 and 1A Settlement Statement for Non-home Loans Prepaid Charges Affecting the APR
Customer Signatures on RESPA Docs "Buying Your Home" Brochure Disclosure What is the Definition of a Manufactured Home? RESPA Revision RESPA and a "reasonable" fee Proper HUD-1 and GFE Completion Proper line on the HUD-1
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RESPA / Reg X: What's in the Water at HUD? Signing One Form for All Disclosures Doc Prep Charges on the HUD-1 HUD's View of Mark-ups
Paying a "Finders Fee" to Affiliated Broker Disclose Cancellation Fee on the HUD1? How long must HUD escrow accounts be kept and is computerized storage okay? Is a tax monitoring fee a pre-paid finance charge? Declined Applications & RESPA Disclosures Credit Reports, Flood Determination, & HUD-1 Charges RESPA disclosure responsibility Telephone Mortgage Applications & Required Early Disclosures Construction Loans, Permanent Loans & HUD Disclosure Dating HUD Statements Getting the HUD-1 Right RESPA: Itemized Fees vs. Single Processing Fees How do I explain the calculations for GFE, TIL, Itemization of Amount Financed, and Loan Amount? RESPA: Kicking Back RESPA Credit Bureau Fees & The HUD-1 RESPA: One-Two-Punch: HUD Follows RESPA Policy Statement With Action RESPA: Disclosing POC Costs On The Hud-1 Notification Requirements: One Day In Advance Of Closing Rule HUD1A: If there's no escrow account, do you list the property taxes? Completing the HUD-1 in a Complex Transaction Listing Insurance on HUD-1s TIL & HUD-1 Tolerances Handling A HUD Investigation Disclosing Taxes and Insurance On Second Mortgages HUD-1, Identifying Fees Paid, and Examination Requirements GFE/Settlement Sheet Completion Appraisal Notification for Residentially Secured Business Loans Human Resources Banks and HIPPA Choose Extraordinary not Ordinary Are Ties History for Men? Focusing on Bank Standards and Policies How to Stand Out in a Crowd of Job Applicants Best Job Candidate for BSA Officer Security - Employee Foreclosure Salaried Employee With Chronic Illness BSA Training for IT & HR? Mandatory Absence/Vacation Policy Bank Employee Hiring Prohibited by Bankruptcy? Shoveling Snow - A Bank Employees Job? Protecting Against Sexual Harrassment Is Your Bank EEO Compliant? BSA in Job Descriptions and Evaluations Identity Risk Management-Part II: Organizational Solutions Help Wanted 3 Keys to Building a Solid Team Bank Employee Overdraft Employment Application Info for Background Check How can facility management impact employee productivity? 5 Steps to Succession Planning What do I do About a Hostile Branch Manager? Choose Extraordinary not Ordinary Ruling Gives Clues for Whistleblower Cases
Avoid the Three Biggest Image Mistakes That Cost YOU Money Yes, Business Casual May Be Hurting Your Image HR Issues (PDF) Agency Tips on New-Hire Screening - New Guidance Issued on Developing the Process Overtime Rule Changes Impact Banks HR Record Retention Can Auditor Chair HR Committee? Three Months of Paid Volunteerism Background Checks on New Hires What is a "Benefit Plan"? Family and Medical Leave Act French Bank Employees Have Stress Reliever Treatment of Departing Employees Work Hours Requiring Direct Deposit for Employment Practical and paperless: the power of technology and human resources When duty calls: dealing with employees on military leave Policies Required in HR Manual Human resources should be properly grown Conflicts, Problems Could Be Helped with Solutions from Mediation Work Employee recognition can be as simple as saying ‘Thank you’ Undercover Investigation Justifies Terminations Fingerprint Checks on New Hires September 11 Doesn't Justify Discrimination Against Muslims, Arabs, Others Planning and Executing a Reduction in Force "Unconscionability" and Other Issues in Mandatory Arbitration Clauses Bad Credit Report & Employee Dismissal Employment Policies Hiring correctly can be boiled down to three simple steps Release doesn't cover "willful and wanton" misconduct Is Hiring on the Basis of Appearance Illegal? How to Investigate Sexual Harassment Complaints EEOC Settles Same-race Discrimination Complaint Legal Issues in RIFs Employee's Deceit Voids FMLA Protection Can a Security Officer be a Compliance Officer?
Should you inform an employee they are being investigated?
CRA & AML Employee Handbook Information
Dress and Grooming Codes: Legal Issues Helping Employees During Tough Times Interest Rate Break for Employees Employer Can Fire Employee Who Insists on Consulting Lawyer Employer Can Fire Employee Who Insists on Consulting Lawyer Extortion/Kidnapping Checklist Job Description For Senior Credit Officer Must the compliance officer be a senior officer of the institution? Six Lessons Learned: When an Employee Is NOT Exempt Compliance Officer Advancement Options Automating the HR Function What Shall I Wear To Work Today? AGENCY TEMPORARIES: What You Need to Know Affirmative Action Plans for Banks Change the Conversation to Get the Best Temporary Workers Can Cause Permanent Problems Setting Up A Human Resources Department Preventing Employee Theft - Training the Internal Watchdog Requirement for Workplace Violence Policy? AAAHHHKKK! Performance Reviews! FLSA: Fact Or Fiction Don't labor over labor management software Documentation Creating An Employee Manual Overtime Pay Calculation Screening Prospective Employees Pre-employment Screening Employee Resignation Telecommuting Bankers Equal Vacation Who should have keys to the branches? Any advice? Recording Customer Conversations I've been promoted! I need to set up a Compliance Department. Any advice? Time management tips Employee anniversary parties Sharing your calendar How a Good Interior Designer Can Help Traffic Flow Use the carrot instead of the stick Emergency Loan Programs For Employees Boosting Employee Morale Internal Auditor Advice: Reviewing Employee Bank Statements Investigating Workplace Theft: Sherlock Holmes Meets Miss Manners Why Two Weeks? A Quick Question on Paying Overtime Want to be a multi-million dollar operation? Play smart with your Human Resources The Myth of the Salaried Bank Employee: Fiction and Fact "Dancing" With the OFCCP??? You're Better Off With a Full Dance Card Affirmative Action Concerns for Growing Institutions Taking Action Against A Chronically Ill Employee Human Resource Headlines: The Good, The Bad and the Ugly Humor Should These Robbers Consider a Career Change? An Expensive Binge
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