10/25/2004
10/01/2004
In Advisory Letter 2004-10, the Comptroller of the Currency advises national banks on credit card marketing and account management practices that may be unfair or deceptive.
09/20/2004
When a home equity loan is made to only one spouse, exactly what documents should the other spouse be required to sign?
09/06/2004
Do we collect government monitoring information on a home equity loan, regardless of lien position?
08/02/2004
If we are making a closed-end home equity loan and this will be a first lien on the property, do we consider this a first lien and base the APR test on 8% or would this fall under the 10% for second liens? This is unclear to me as our rates and terms are different for refinance vs. home equity loans.
02/09/2004
Can closing costs be rolled into the loan amount on a home equity loan (closed end)?
02/09/2004
How soon after a Home Equity Line of Credit Application is received should the note, right of recission, and other disclosures other than the early ones go out?
02/02/2004
Is there a compliance issue if you make an exception to your fixedrate home equity policy in order to extend the loan to value ratio from 80% 95% for one customer?
01/19/2004
If a customer has a residence located in the flood plain and they have insurance to cover their first mortgage, then they take out a Home Equity Line of Credit, do they have to have additional insurance to cover the credit limit of this line of credit?
10/20/2003
Under the Notice of Transfer requirements in RESPA, what is considered to be the definition of the "effective date" of the transfer? I understand that the transferor is required to provide the notice 15 days prior but I don't know if that is the date the payment is due or the date the loan is actualy purchased by the investor.