Mortgage Lending Compliance with Federal and State Guidance

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Residential Mortgage Lenders - Get State and Federal Compliance Coverage in One Fast Resource.

Residential lenders need to keep up with the myriad of ever-changing mortgage regulations and legal developments, such as high-cost mortgage loans, flood insurance, yield spread premiums, HUD enforcement action, upcharges, and state predatory lending statutes. Pratt's Mortgage Lending Compliance with Federal and State Guidance will keep you informed of the Dodd-Frank Act and the changes that affect you. Updates will address:
 •   Regulatory responsibility for RESPA, TILA, ECOA, HMDA and other federal consumer protection statutes that are shifting to a new agency.
 •   Thorough explanation of changing federal lending regulations to make sure lenders are in compliance.

Pratt's Mortgage Lending Compliance with Federal and State Guidance is the only resource that covers compliance with both state and federal laws and regulations. It also includes expert analysis and interpretation of the federal regulations, state-by-state coverage key mortgage lending laws, regulatory and business process checklists, and model forms and disclosures that can be easily customized.

The manual provides clear and useful explanations of the federal laws and regulations regarding mortgage lending and summaries of essential state laws. Federal statutes, regulations, and key agency guidance accompany the manual.

Also included are two checklists to help you determine which regulations apply to your institution: the Regulatory Applicability Checklist tells you which regulations apply to different entities, and the Business Process Checklist tells you which regulations apply to the different stages of mortgage lending.

Subscribers will receive a downloadable file containing editable forms.
The eBook versions of this title feature links to Lexis Advance for further legal research options.

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Table of Contents

Table of Contents


Volume 1


Part 1 Lending Regulations



Chapter 1.1  Truth in Lending


Chapter 1.2   Home Mortgage Disclosure Act


Chapter 1.3   Real Estate Settlement Procedures Act


Chapter 1.4   Flood Insurance


Chapter 1.5   Insider Transactions


Chapter 1.6   Summary of Regulatory Examinations


Chapter 1.7   Appraisal Standards


Chapter 1.8   Nationwide Mortgage Licensing System


Volume 2
Part 2 Mortgage Insurance



Chapter 2.1   Mortgage Insurance


Part 3 Discrimination and Fair Lending


Chapter 3.1   Equal Credit Opportunity Act


Chapter 3.2   Fair Credit Reporting Act


Chapter 3.3   Fair Housing Act


Chapter 3.4   Community Reinvestment Act


Chapter 3.5   Fair Lending


Chapter 3.6   Subprime Lending


Part 4 Advertising and Marketing


Chapter 4.1   Advertising


Chapter 4.2   Telemarketing


Chapter 4.3   Tie-In Restrictions


Part 5 Consumer Protection


Chapter 5.1   Fair Debt Collection Practices Act


Chapter 5.2   Privacy


Chapter 5.3   Unfair or Deceptive Trade Practices


Chapter 5.4   USA PATRIOT Act and Anti-Money Laundering


Chapter 5.5  Homeownership Counseling


Part 6 Legal and Liability Issues


Chapter 6.1   Lender Liability


Chapter 6.2   Environmental Protection


Chapter 6.3   Bankruptcy


Chapter 6.4   Summary of Court Processes


Chapter 6.5   Servicemembers Civil Relief Act


Chapter 6.6   Safety and Soundness


Chapter 6.7   Tax Reporting


Chapter 6.8   Litigation: Higher-Cost Mortgage Lending


Chapter 6.9  Tenants at Foreclosure


Chapter 6.10  Mortgage Servicing Guidance


Part 7 Electronic Services


Chapter 7.1   Electronic Transfer of Funds


Chapter 7.2   Internet Activities


Part 8 State Laws