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Summary

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Loan Origination, Preemption, and Litigation

Dramatic Changes Concerning Mortgage Lending and Federal Preemption

  • New underwriting standards, automated valuation, and the ability-to-repay requirement
  • Changes to uniform residential loan applications
  • Reverse mortgages, land installment contracts, HELOCs, home equity sharing, and other non-traditional mortgages
  • New RESPA requirements and VA limits on points and other charges
  • Restrictions on loan steering, mortgage broker practices and compensation
  • Title insurance, private mortgage insurance, attorney fees, new rules for appraisers
  • Regulation of interest rates, balloon payments, prepayment penalties, and negative amortization
  • New limits on federal preemption of state credit and mortgage laws

Highly Practical; Invaluable Litigation Tips

  • Gathering and analyzing key documents
  • Survey of all applicable federal and state laws
  • Third party liability and 10 limits on the holder-in-due-course defense, including application to electronic notes
  • Standing for RESPA claims after Spokeo
  • Restrictions on arbitration in mortgage litigation
  • Suing failed banks

Download the Print Edition’s TOC

Praise

"The NCLC treatises are like having an expert by your side." — Scott D. Owens, Esq., Law Offices of Scott D. Owens, Hallandale, FL

"The NCLC manuals really are a godsend to so, so many of us out here. Rarely, if ever, have I had a consumer law question that was not addressed in the manuals." — Kirsten Keefe, Senior Staff Attorney, Empire Justice Center, Albany, NY

Related Titles

  1. Foreclosures
  2. TIL
  3. UDAP