Can anyone give me some input in this deal: A consumer is requesting a loan that will be secured by a CD and $10,000 mortgage on her primary residence. The purpose of the loan is to allow the consumer to use the home secured loan as a tax break to counter a large cash gift, which will be the source of the CD also securing the loan. Would TRID apply? It is not considered a purchase, refinance, home improvement, etc

Yes, it is trid applicable - purpose is home equity.

It would not be hmda applicable though as it doesn't meet the purchase, refi or home improvement test.

That is the way I was leaning. I appreciate the feed back.