Do we have to disclose the actual MAPR to all borrowers?
Can we report a past due loan to the credit bureau when SCRA protections apply?
If we price HELOCs based on the applicant's credit score and loan to value ratio, so some borrowers get a lower rate than other borrowers, can we disclose the lower rate in our advertisement, or do we need to disclose both rates? Do we also need to specify the criteria for receiving the lower rate?
If we have a rate sheet that we give to real estate agents and our loan originators, but we know the true use will be for them to hand it to consumers or post it where consumers can readily access it, wouldn't we need to have the APR on it?
We include the Equal Housing Lender logo in all our home loan ads. Are we also required to include the “Equal Opportunity Lender” logo?
Should we handle fair banking like fair lending?
Is following the standard Regs, B, Z, DD and fair housing going to ensure advertising compliance?
What are some recommended elements of a fair banking program?
Where does a fair banking program start?
Is there a new Reg or enhanced Reg DD that is “fair banking?”