I thought I had a good handle on the changes until little things that come up that make me read closer. Glad I'm not the only one!
It would have been helpful if CFPB would have thrown in the word "MAY" somehow... as in "The HOEPA APR may differ from the TILA APR". Several resources were using language that seemed to indicate that it would ALWAYS vary, but in reality on fixed-rate loans it is the same. I appreciate that they were trying to give us a heads-up, but until you read more closely, it was a bit confusing.