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Lending Articles, Tools & FAQs

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  • Closed-end Consumer Loans
  • Open-end Consumer Lines
  • HELOCs

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Appraisals

  • Appraisal Requirements
  • Appraisal Reviews
  • Appraisal Notices
  • Reg. B & HPML Impacts

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Community reinvestment act

  • CRA notices
  • Public File Requirements
  • Assessment Areas

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Fair credit reporting act

  • Adverse Action
  • Credit Report Dispute Resolution
  • Permissible Purpose
  • Furnisher Requirements
  • Credit Score Disclosures

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Flood/national flood insurance program

  • Required Flood Insurance Amount
  • Force Placement Rules
  • Private Flood Insurance
  • Escrow Requirements

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Loan Documentation Checklist

  • Consumer Loans and Lines of Credit
  • Consumer R/E Closed-end Loans
  • Commercial Loans

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Military lending act/Servicemembers civil relief act

  • MLA/SCRA Requirements
  • SCRA Disclosure
  • Coverage Criteria and Exemptions

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Miscellaneous Home Loan Rules

  • Electronic Loan Closing
  • Tenants at Foreclosure
  • Mortgage Insurance Guide
  • Manufactured Home Loans

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Reg B (equal credit opportunity act)

  • Adverse Action Notices
  • Joint Intent Requirements
  • Fair Lending
  • Government Monitoring

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Reg C (home mortgage disclosure act)

  • Reportable Applications
  • Data Points
  • Sample HMDA Data Collection form

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Reg O (Loans to insiders)

  • Consumer Loans and Lines of Credit
  • Consumer R/E Closed-end Loans
  • Commercial Loans

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Reg X (respa) & Reg Z (truth in lending)

  • Ability to Repay
  • Qualified Mortgages
  • Higher Priced Mortgage Loans
  • Private Education Loans
  • LO Compensation Rules
  • Mortgage Servicing Rules
  • TRID

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reg g (SAFE Act)

  • Key Definitions
  • MLO Registration
  • FAQ on NMLS Registration

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Sample Policies

  • ATR-QM Policy Statement
  • ID Red Flags and Address Discrepancies
  • SAFE Act Policy
  • SAFE Act Procedures

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