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 disclose a cost for an Automated Valuation Model/Investment Valuation Model (AVM/IVM) or basic evaluation on the Loan Estimate but the valuation amount comes in low and does not support loan request, if the borrower then requests a full appraisal in hopes of a higher estimated value, are we able to send a new LE with the additional appraisal cost since the borrower requested the full appraisal or does the financial institution need to "eat" the additional appraisal fee because we had already disclosed a lower fee amount?
Is there no requirement to send periodic statements for unsecured loans? Does Reg Z require statements only for mortgages and credit cards?
If a fee is deleted on the closing disclosure in section B and the disclosure was sent out for signing, do we re-disclose to the borrower and show that fee as a Lender Credit?
Does a non-borrowing spouse need to sign or acknowledge the initial Closing Disclosure for a purchase of a TRID loan? Does it matter that we are in Indiana?
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 often have lobby posters advertising products, services, benefits like trips on a discounted price and others things on display so staff can answer questions on these and to promote these items. Do they require the general FDIC advertising statement>
We include the Equal Housing Lender logo in all our home loan ads. Are we also required to include the “Equal Opportunity Lender” logo?