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 have a loan that is paid to a $0 balance. However, there is a large sum of late charges owed. Can late fees be reported as a delinquent/past due status to the credit bureau?
What are some common variables to include in our exception reports?
How is e-mail delivery for the disclosures considered as far as timing?
How are ticklers used in lending departments at banks?