One-to-Four-Family Loan Documentation Charts for Banks
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The charts are designed to help banks decipher all the complex disclosure requirements for loans secured by one- to four-family real estate. The charts help identify which disclosures to give on certain types of loans, and the charts have been updated to address the 2014 mortgage rules.
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Table of contents
1.02. CHARTS INCLUDED
1.03. REGULATION Z/TILA (12 CFR 1026)
•  Definitions and Commentary
•  Loans Subject to 12 CFR 1026.19(a)
•  Contents of the Early TIL
•  Timing: The “3-7-3 Rule”
•  Special Rules for Loans Secured By Timeshare Plans
•  Payment Stream Disclosures Disclosure Requirements
1.04. REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA) (12 USC 2601, 12 CFR 1024)
•  Definition of Business Purpose
•  Construction Loans and RESPA
•  Good Faith Estimates
1.05. TIMING OF HOME EQUITY LINE OF CREDIT DISCLOSURES
1.06. SAFE ACT IDENTIFIER ON LOAN DOCUMENTS (12 CFR 1026.36(g)
1.07. ESCROW ACCOUNT STATEMENT
1.08. FLOOD DETERMINATIONS
•  Special Flood Hazard Area Determination
•  Manufactured Homes and Flood Determinations
1.09. EARLY TRUTH IN LENDING DISCLOSURES
1.10. CONSUMER WAIVER OF WAITING PERIODS
1.11. TIMESHARE PLANS 1.12. RIGHT OF RESCISSION
•  In General
•  Principal Dwelling
•  Special Rule for Principal Dwelling
1.13. REGULATION B AND GMI
1.14. HMDA AND REGULATION B
1.16. HOEPA LOANS — 12 CFR 1026.32
1.17. HOMEOWNERSHIP COUNSELING REQUIREMENTS FOR HIGH-COST MORTGAGES (12 CFR 1026.34(a)(5)(ii))
1.18. REQUIREMENT TO DISCLOSE NEGATIVE INFORMATION PROVIDED TO A CONSUMER REPORTING AGENCY
1.19. DISCLOSURE OF CREDIT SCORE IN REAL ESTATE SECURED LOANS
1.20. APPRAISALS FOR HIGHER PRICED MORTGAGE LOANS (12 CFF 1026.35)
•  Requirements and Exemptions
•  Appraisal/Vaulation Notice — Regulation B (12 CFR 1002.14)
1.21. HOMEOWNERSHIP COUNSELING AND LIST OF COUNSELORS (12 CFR 1024.20)
•  Closed-End Loans Secured by One- to Four-Family Real Estate Chart
•  Closed-End Loans Secured by Manufactured Homes Chart
•  Open-End Loans Secured by One- to Four-Family Real Estate Chart
•  Open-End Loans Secured by Manufactured Homes Chart
•  Business Purpose Loans Secured by One- to Four-Family Real Estate Chart