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In Response To:
Thread Starter: David Dickinson
Title: Re: HOEPA?HMDA?HPML?

You will report whether a loan is a HOEPA loan and you will report the HPML (or APR) spread on the LAR. The TIL (HPML) rate spread replaces the HMDA rate spread beginning 10/1/09. IOW, there will only be 1 rate spread on the LAR.