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One-to-Four-Family Loan Documentation Charts for Credit Unions

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ISBN: 9781630441159
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The charts are designed to help credit unions 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

1.01. ABOUT THE AUTHOR

1.02. INTRODUCTION

1.03. CHARTS INCLUDED

1.04. REGULATION Z/TILA (12 CFR 1026)

 •  [1] Definitions and Commentary

 •  [2] Loans Subject to 12 CFR 1026.19(a)

 •  [3] Contents of the Early TIL

 •  [4] Timing: The “3-7-3 Rule”

 •  [5] Special Rules for Loans Secured By Timeshare Plans

 •  [6] Payment Stream Disclosures

 •  [7] Disclosure Requirements

1.05. REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA) (12 USC 2601, 12 CFR 1024)

 •  [1] Definition of Business Purpose

 •  [2] Construction Loans and RESPA •  [3] Good Faith Estimates

1.06. TIMING OF HOME EQUITY LINE OF CREDIT DISCLOSURES

1.07. SAFE ACT IDENTIFIER ON LOAN DOCUMENTS (12 CFR 1026.36(g)

1.08. ESCROW ACCOUNT STATEMENT 1.09. FLOOD DETERMINATIONS

 •  [1] Special Flood Hazard Area Determination

 •  [2] Manufactured Homes and Flood Determinations

1.10. EARLY TRUTH IN LENDING DISCLOSURES

1.11. CONSUMER WAIVER OF WAITING PERIODS

1.12. TIMESHARE PLANS

1.13. RIGHT OF RESCISSION

 •  [1] In General

 •  [2] Principal Dwelling

 •  [3] Special Rule for Principal Dwelling

1.14. REGULATION B AND GMI

1.15. HMDA AND REGULATION B

1.16. HMDA/LAR

1.17. HOEPA LOANS—12 CFR 1026.32

1.18. HOMEOWNERSHIP COUNSELING REQUIREMENTS FOR HIGH-COST MORTGAGES (12 CFR 1026.34(a)(5)(ii))

1.19. REQUIREMENT TO DISCLOSE NEGATIVE INFORMATION PROVIDED TO A CONSUMER REPORTING AGENCY

1.20. DISCLOSURE OF CREDIT SCORE IN REAL ESTATE SECURED LOANS

1.21. APPRAISALS FOR HIGHER PRICED MORTGAGE LOANS (12 CFF 1026.35)

 •  [1] Requirements and Exemptions •  [2] Appraisal/Vaulation Notice—Regulation B (12 CFR 1002.14)

1.22. HOMEOWNERSHIP COUNSELING AND LIST OF COUNSELORS (12 CFR 1024.20) 1.23. CHARTS

 •  [1] Closed-End Loans Secured by One- to Four-Family Real Estate Chart

 •  [2] Closed-End Loans Secured by Manufactured Homes Chart

 •  [3] Open-End Loans Secured by One- to Four-Family Real Estate Chart

 •  [4] Open-End Loans Secured by Manufactured Homes Chart

 •  [5] Business Purpose Loans Secured by One- to Four-Family Real Estate Chart