What disclosures are required for a consumer unsecured loan to cover the deficiency balance on a mortgage loan that was sold at foreclosure?

Just a TIL disclosure, right?
And if it was a joint loan....still looking for evidence of intent to apply jointly, right?

Unsecured - depends on the amount of the loan. Yes on intent.

[quote=rlcarey]Unsecured - depends on the amount of the loan. quote]

Loan amount is $30,000.

Then, yes it would be covered under Regulation Z.

Can the bank call it a "modification" of an existing loan, and use the same loan number as the defaulted mortge loan?

I think no, as that note has been paid off and the mortgage released at this point.

Use of the same loan number is an internal bank decision. But why would you want too?

Not sure why...perhaps to avoid TILA disclosure?

Also, the interest rate is 0% and no fees were charged.

Are you still required to provide a TIL, since there are periodic payments?

Yes. The credit is subject to a finance charge or is payable by a written agreement in more than four installments;