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.
Mortgage Laws by State
Pratt's Mortgage Lending Compliance with Federal and State Guidance is the only resource that covers mortgage lending compliance with federal and state guidance and regulations. It also includes expert analysis and interpretation of the federal regulations, state-by-state coverage key mortgage lender compliance 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 compliance laws 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.
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Table of contents
Table of Contents
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
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