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Compliance Guide to the 2013 Mortgage Lending Rules

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ISBN: 9780769885841
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Chapters are organized by applicability and structured to ensure key information is found quickly, offering general background, full text of the affected regulations, and footnotes that provide a deep dive into key topics. Additionally, the Compliance Guide to the 2013 Mortgage Lending Rules delivers the tools you need to identify implementation steps by pointing out "before-and-after" differences and includes:

•   "Before and After"; tables that compare the existing regulations to the January 2013 regulations and show how each regulation changes the landscape
•  Applicability charts showing what loans are affected by which part of each regulation, and whether a "small institution" exemption applies
•  Implementation checklists to help develop and double-check project plans
•  Call-out boxes explaining important ideas and giving practical pointers
•  Marked-up Regulation B (Equal Credit), Regulation X (Real Estate Settlement Procedures Act) and Regulation Z (Truth in Lending) to show the changes made to the regulatory texts
•  A chapter on each of the January 2013 mortgage regulations
•  A summary and detailed explanation of each regulation
•  Background material

The eBook versions of this title feature links to Lexis Advance for further legal research options.

Table of Contents

Chapter 1  The New Regulations and CFPB Authority

Chapter 2  Before-and-After Charts

Chapter 3  Ability-to-Repay (ATR) Regulation

Chapter 4  Loan Originator Compensation Rule

Chapter 5  ECOA Appraisal Rule

Chapter 6  Homeownership Counseling Provisions (Issued with the High-Cost Mortgage Rule)

Chapter 7  2013 Higher-Priced Mortgage Loan (HPML) Rules

Chapter 8  Regulation X Servicing Rule

Chapter 9  January 2013 Regulation Z Servicing Rule

Chapter 10  High-Cost Mortgages (HCM)

Chapter 11  Implementation Checklists and Applicability Charts