Most Popular Lending Content
Pledging a Jointly Owned CD as Collateral
11/17/2003
When a Joint CD is used as a collateral on a loan must both parties pledge the collateral or is the one borrowing the money the only one necessary? If a loan is secured by a CD the has a POD on it must the POD pledge the collateral also for the loan?
HOEPA Triggers for 2004
11/17/2003
What is the total fee and point figure under HOEPA for 2004?
Quoting Loan Rates by Phone
11/03/2003
Can we quote loan rates for auto, mortgage, and commercial loans over the phone? Do they have to be the APR or can the rates we quote be the note rate? Can we quote rate and terms over the phone without long disclosures? The regs are pretty clear on advertising, but I am interested in call-in customers....
Retention Period for Paid Off Loans
11/03/2003
What is the retention period for paid off loans?
Reg O Demand Clause
11/03/2003
For executive officer loans, what document should include the demand clause verbiage?