I came across a free update. Freebies are always good.
If you have an APR Examiner (I got mine at compliance school) there is a manual update addressing Premium Rate ARMs. You should get this and add it to your manual for future reference.
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AndyZ CRCM My opinions are not necessarily my employers. R+R-R=R+R Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell