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H.R. 3474, 103d Cong. 151 (2d Sess. 1994)
HOEPA Points and Fees Worksheet for Closed-End Loans Before 1/10/14
This HOEPA fees & points worksheet calculates whether a closed-end mortgage loan originated after January 10, 2014, must comply with HOEPA because of the size of its points and fees. It calculates trigger fees, the “total loan amount,” and the trigger fees as a percentage of the “total loan amount.” Other NCLC practice tools provide worksheets for open-end mortgage loans originated on or after January 10, 2014, and for closed-end mortgage loans originated prior to January 10, 2014.
HOEPA Points and Fees Worksheet for Closed-End Loans On or After 1/10/14
This HOEPA fees & points worksheet calculates whether a closed-end mortgage loan originated after January 10, 2014, must comply with HOEPA because of the size of its points and fees. It calculates trigger fees, the “total loan amount,” and the trigger fees as a percentage of the “total loan amount.” Other NCLC practice tools provide worksheets for open-end mortgage loans originated on or after January 10, 2014 and for closed-end mortgage loans originated prior to January 10, 2014.
HOEPA Points and Fees Worksheet for Open-End Loans On or After 1/10/14
This HOEPA fees and points worksheet calculates whether an open-end mortgage loan originated after January 10, 2014, must comply with HOEPA because of the size of its points and fees. It calculates trigger fees, the “total loan amount,” and the trigger fees as a percentage of the “total loan amount.” Other NCLC practice tools provide worksheets for closed-end mortgage loans originated on or after January 10, 2014 and for closed-end mortgage loans originated prior to January 10, 2014.
TILA RESPA Integrated Disclosures: Overview (June 17, 2014)
The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures. This is the PowerPoint document from a 2014 webinar presented by the CFPB presenting an overview concerning the new integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.
TILA RESPA Integrated Disclosures: Various Topics (Aug. 26, 2014)
The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures. This is the PowerPoint document from a second 2014 webinar presented by the CFPB presenting more detail concerning specific topics related to the new integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.
TILA RESPA Integrated Disclosures: Completing the Loan Estimate (Oct. 1, 2014)
The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures. This is the PowerPoint document from a third 2014 webinar presented by the CFPB presenting more detail concerning completing the loan estimate on the integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.
TILA RESPA Integrated Disclosures: Completing the Closing Disclosure (Nov. 18, 2014)
The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures. This is the PowerPoint document from a fourth 2014 webinar presented by the CFPB presenting more detail concerning completing the closing disclosures on the integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.