If we have a rate sheet that we give to real estate agents and our loan originators, but we know the true use will be for them to hand it to consumers or post it where consumers can readily access it, wouldn't we need to have the APR on it?
We include the Equal Housing Lender logo in all our home loan ads. Are we also required to include the “Equal Opportunity Lender” logo?
What is the Grace Period for the Community Bank Leverage Ratio (CBLR) Framework?
If we are still delivering disclosures and statements in paper form, do we have to be concerned with E-SIGN or UETA?
Do we need a policy on providing payment extensions to borrowers?
Are rate sheets we send to auto dealers and mortgage brokers CAN-SPAM covered?
Many times when I get a call I start to say “remove this number from your call list” but the caller hangs up before I’m done. Is this illegal since they didn’t provide time to get this request? If so, we should train our calling staff to listen for this and proceed as you mentioned, to remove the number, correct?
We are just a mortgage lender, does this CAN-SPAM affect us?
If our borrower hasn’t requested SCRA protection and is past due on her mortgage, can we start foreclosure as we normally would?
A soldier wants us to reduce the loan rate and allow three deferred payments to bring the account current. Are we required to do this?