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#1868231 - 11/04/13 11:34 PM Homeownership Counseling Organizations - List
Ninky Offline
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Ninky
Joined: Nov 2002
Posts: 357
Has the CFPB provided any model notices or lists of counseling agencies? Have I missed something? We are running out of calendar!

Does anyone have a model they would like to share?

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HOEPA and Homeowner Counseling Rule
#1868360 - 11/05/13 03:53 PM Re: Homeownership Counseling Organizations - List Ninky
ComplianceNerd Offline
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Texas ...
I just went to the HUD website, searched the State I'm in and found the cities close to us that provide counseling. I took that info, and just put it on a word document with a footer that has the Date I got the info and another footer with the spefic website address so I can remember for next time.

If they have any model forms, I wasn't aware.
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#1868679 - 11/05/13 11:10 PM Re: Homeownership Counseling Organizations - List Ninky
jlroberts Offline
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jlroberts
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Ohio
Are you listing all the agenicies in your area? There are about 35 in our area, do I have to list them all. We are also going to include MGIC on our list.

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#1868685 - 11/05/13 11:26 PM Re: Homeownership Counseling Organizations - List Ninky
rlcarey Offline
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Galveston, TX
I think I would stay turned as the portal is probably going to show up at the last moment. Hopefully it will work better than another recently publicized Federal portal smile

While the Bureau understands the concerns raised by commenters about the burden of generating zipcode based lists for potential borrowers, the Bureau notes that the statutory requirement indicates that the list should be comprised of counselors “located in the area of the lender.” The Bureau is interpreting this requirement to mean the location of the applicant who is being served by the lender. The Bureau continues to believe that a list of counseling resources available near the applicant’s location will be most useful to the applicant. The Bureau also believes that permitting lists to be generated based on larger geographic areas, such as an applicant’s state, would frequently result in an applicant receiving a list that is overwhelmingly lengthy.

The Bureau is finalizing § 1024.20(a)(1) to require that the list contain only counseling organizations, pursuant to the same exemption authority, and anticipates that the website portal it develops may generate lists that include counseling organizations that are either certified or otherwise approved by HUD. Because the website portal will automatically create lists that include the relevant homeownership counseling organizations, the Bureau is not finalizing proposed § 1024.20(a)(2).
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#1868850 - 11/06/13 04:00 PM Re: Homeownership Counseling Organizations - List Ninky
hgliii Offline
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Joined: Mar 2012
Posts: 574
It is my understanding that no PMI companies are approved to do the counseling. I know they are trying to get approved, but so far HUD and CFPB have resisted those requests.

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#1869947 - 11/08/13 08:46 PM Re: Homeownership Counseling Organizations - List Ninky
ComplianceNerd Offline
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Joined: Nov 2011
Posts: 376
Texas ...
Hey looky here. I just received this in my e-mail:

http://www.consumerfinance.gov/newsroom/...=regimp20131108
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#1869949 - 11/08/13 08:48 PM Re: Homeownership Counseling Organizations - List jlroberts
ComplianceNerd Offline
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Texas ...
Originally Posted By: jlroberts
Are you listing all the agenicies in your area? There are about 35 in our area, do I have to list them all. We are also going to include MGIC on our list.


Fortunately for us, there aren't a lot to post but the bulletin that just came out says you need at least 10. When I put our southernmost zipcode in the portal, it actually gave me a choice of Homeownership Counselors from up to 100 miles away. (I'm sure those borrowers are just going to LOVE that.)
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#1869954 - 11/08/13 08:50 PM Re: Homeownership Counseling Organizations - List Ninky
Kathleen O. Blanchard Offline

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Telephone counseling is allowed.
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#1869955 - 11/08/13 08:50 PM Re: Homeownership Counseling Organizations - List Ninky
rlcarey Offline
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Galveston, TX
Cool. The nearest one to my town is 40 miles away.
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#1870065 - 11/08/13 11:58 PM Re: Homeownership Counseling Organizations - List Ninky
mtngrrl Offline
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Northern California
Is it just me, or does this "tool" look like it's going to be really unweildy in practice?
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#1870068 - 11/09/13 01:57 PM Re: Homeownership Counseling Organizations - List Ninky
rlcarey Offline
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Galveston, TX
What, you thought you would be able to plug in a zipcode and print off a one page document to hand to the customer???? smile
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#1870190 - 11/12/13 03:31 PM Re: Homeownership Counseling Organizations - List rlcarey
RR Sarah Offline
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RR Sarah
Joined: Mar 2004
Posts: 2,487
Up North
Closest to our location is 61 miles. eek
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#1870262 - 11/12/13 05:00 PM Re: Homeownership Counseling Organizations - List Ninky
John Burnett Offline
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John Burnett
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Cape Cod
Plug in 96799, the ZIP Code for Pago Pago, American Samoa (where Regs X and Z apply). The tool will list ten organizations in southernmost Texas, which is over 5,000 air miles from American Samoa. In reality, the closest organizations to AS are in Honolulu, which is about 2,600 miles away. Apparently, the tool doesn't handle well distances more than 999 miles. The Texas locations show up as being about 600 miles from Pago Pago.

The distances used in the tool (other than those misrepresented because they are 1,000 or more miles away) appear to be air miles, which can be misleading, too, since road mileage is often considerably more.
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#1870282 - 11/12/13 05:27 PM Re: Homeownership Counseling Organizations - List Ninky
Kathleen O. Blanchard Offline

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It is totally just straight lines from zip centroid. I would be inclined to provide some national organizations that provide telephone and/or online counseling in these situations. The option is there for that purpose.
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#1870392 - 11/12/13 08:00 PM Re: Homeownership Counseling Organizations - List Ninky
Soccer Offline
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Joined: Jan 2010
Posts: 1,018
Utopia
When you print from the PDF there is no date? Is anyone else seeing that? How do we prove the most recent one was printed and given?
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#1870394 - 11/12/13 08:04 PM Re: Homeownership Counseling Organizations - List rlcarey
mtngrrl Offline
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mtngrrl
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Northern California
Originally Posted By: rlcarey
What, you thought you would be able to plug in a zipcode and print off a one page document to hand to the customer???? smile


Yea, I can be kinda silly like that...sigh...
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#1870397 - 11/12/13 08:10 PM Re: Homeownership Counseling Organizations - List Ninky
raitchjay Offline
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Joined: Oct 2009
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OK
What am i missing? Why can't you just print it off? I entered our zip and got the 10 closest ones to us...i was hoping it would be as simple as printing that off at time of application.
Last edited by raitchjay; 11/12/13 08:10 PM.
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#1870419 - 11/12/13 08:37 PM Re: Homeownership Counseling Organizations - List Ninky
Soccer Offline
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Posts: 1,018
Utopia
I can print, however there is no date in the footer, burden of proof!
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#1870478 - 11/12/13 10:38 PM Re: Homeownership Counseling Organizations - List Ninky
raitchjay Offline
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Joined: Oct 2009
Posts: 8,727
OK
Anybody else getting a "this file cannot be saved" warning if you try to save the tool to your desktop?
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#1870482 - 11/12/13 10:44 PM Re: Homeownership Counseling Organizations - List Ninky
rlcarey Offline
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Galveston, TX
Sorry, what do you mean save the tool to your desktop?
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#1870484 - 11/12/13 10:45 PM Re: Homeownership Counseling Organizations - List Soccer
rlcarey Offline
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rlcarey
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Galveston, TX
Originally Posted By: Soccer
I can print, however there is no date in the footer, burden of proof!


Save the pdf file and the file will have the "created" date.
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#1870485 - 11/12/13 10:47 PM Re: Homeownership Counseling Organizations - List Ninky
raitchjay Offline
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Joined: Oct 2009
Posts: 8,727
OK
I'm trying to save that particular webpage (that has the tool on it) to my desktop (i guess it's really to a network drive....i'm not very computer savvy).
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#1870487 - 11/12/13 10:48 PM Re: Homeownership Counseling Organizations - List Ninky
Kathleen O. Blanchard Offline

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Just a shortcut to the page so you can can click the link and go to the website?
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Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

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#1870492 - 11/12/13 10:55 PM Re: Homeownership Counseling Organizations - List Ninky
raitchjay Offline
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Joined: Oct 2009
Posts: 8,727
OK
Yes, Kathleen....i'd rather be able to email that or something to my processors than put in "go to www.cfpb.gov (etc.etc.)".
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#1870500 - 11/12/13 11:14 PM Re: Homeownership Counseling Organizations - List Ninky
Kathleen O. Blanchard Offline

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Not knowing what version of windows you have, I was able to bookmark and save to my Bookmark Toolbar. In earlier versions I could have created a shortcut to desktop.

I have windows 8 so what I do will be different than earlier versions. Using IE, I was able to add a shortcut to my start screen. You should be able to create a shortcut on your desktop for the bookmarked link.
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Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

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