Most Popular Lending Content
REMA Issues and Advertising
04/14/2024
If all of a lender's marketing is targeted outside the US, aside from marketing within its "claimed" assessment area, could the lender be subject to REMA redlining review? I've read guidance that implies marketing doesn't have to be a factor for a REMA redlining exam to be conducted... • "REMA...defines who and where you serve, and as such, is different from a defined Market Area..." • "Where the lender actually marketed and provided credit, and where it could reasonably be expected to have marketed and provided credit based on its distribution of loans and applications " • Redlining analysis will look at lending and level of services in majority-minority census tracts compared to peers, among other items.
HMDA Reportable Loans?
04/14/2024
Are refinancings of second homes HMDA reportable?
How do I figure out how much Reg Z restitution is needed for an APR / Finance Charge error? It is a TRID loan too. HELP!!
04/14/2024
We messed up an APR beyond Reg Z tolerance (on a TRID loan to boot – eek!) and know we need to give the borrower restitution. But how do we figure out the right amount to give?!
Disclosures for Payment Date Change
04/07/2024
When you are doing a modification to change a payment date on a loan do you need to give the Fed Box or other Reg Z disclosures?
Integrating software to the core
04/07/2024
What is a core integration?