When is the bank required to provide an amortization schedule to the borrower?

I believe the Homeowners Protection Act only requires one for fixed rate loans in which Private Mortgage Insurance is required and for which the loan is not high risk as determined in accordance with guidelines published by Fannie Mae and Freddie Mac. This schedule would have to be provided at closing.

Is this correct? Thanks in advance.

Bump. I'm positive only the Homeowners Protection Act requires an amortization schedule. I don't see anything under RESPA or TILA regarding providing amortization schedules.

What I need clarification on is, under HOPA, is the trigger for sending the amortization schedule that the loan has a fixed rate and PMI was required?

Outside the HOPA requirement you've stated (which does have to be provided at closing) I'm not aware of any other requirement to provide the schedule unless of course it is required by your state law.

Thanks Dan. Have a nice weekend.