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38 U.S.C. § 1804 (1958)

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Evaluation of VA's Home Loan Guaranty Program (2004 Final Report)

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Evaluation of VA's Home Loan Guaranty Program (2004 Report Appendices)

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Legislative History of the VA Home Loan Guaranty Program (2006)

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National Housing Act of 1950

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A Brief History of the Housing Government Sponsored Entities

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Back-a-Boiler Sample ISA Contract 2017

Back-a-Boiler offers to pay towards a student’s education costs in return for a percentage of the student’s future earnings, called an income share agreement.  Back-a-Boiler advertises this as not a loan or credit.  This is a sample contract setting out the terms of the arrangement.

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Back-a-Boiler Application and Solicitation Disclosure

Back-a-Boiler offers to pay towards a student’s education costs in return for a percentage of the student’s future earnings, called an income share agreement.  Back-a-Boiler advertises this as not a loan or credit.  This is a sample two-page explanation of the arrangement sent to prospective customers.

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Back-a-Boiler Participation Disclosure Sample

Back-a-Boiler offers to pay towards a student’s educations costs in return for a percentage of the student’s future earnings, called an income share agreement.  Back-a-Boiler advertises this as not a loan or credit.  This is a sample two-page initial disclosure of the terms sent to a student who agrees to participate.

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Back-a-Boiler Final Disclosure Sample

Back-a-Boiler offers to pay towards a student’s education costs in return for a percentage of the student’s future earnings, called an income share agreement.  Back-a-Boiler advertises this as not a loan or credit.  This is a sample two-page final disclosure of the terms sent to a student who agrees to participate.

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Back-a-Boiler Earned Income by Undergraduate Major

Back-a-Boiler offers to pay towards a student’s education costs in return for a percentage of the student’s future earnings, called an income share agreement.  Back-a-Boiler advertises this as not a loan or credit.  The terms vary depending on the college major, and this document sets out a range of earnings for various college majors.

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California Residential HERO Program Handbook (Mar. 2018)

This is the California Residential HERO program handbook for 2018.  The HERO program is commonly called a PACE program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

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California HERO Financing Program Application (Dec. 2017)

This is the California Residential HERO program application form issued in December 2017. The HERO program, commonly called a PACE program, is a program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

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California Residential HERO Program Handbook, Version 2.4 (Oct. 2016)

This is the California Residential HERO program handbook issued in October 2016 (version 2.4).  The HERO program is commonly called a PACE program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

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California Residential HERO Program Handbook Version 2.1 (July 2016)

This is the California Residential HERO program handbook issued July 2016 (version 2.1).  The HERO program is commonly called a PACE program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

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California HERO Assessment Contract and Related Documents, Version 2.2 (April 2016)

This is the California Residential HERO program application form issued in July 2016. The HERO program, commonly called a PACE program, is a program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

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Foster v. Equity Key Real Estate Inv.: Property Appreciation Option Contract and Related Documents

This is a property appreciation option agreement whereby the homeowner receives financing and the investor (Equitykey Real Estate Investments) is owed a percentage of the home’s appreciation.

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Foster v. Equity Key Real Estate Inv.: Notice of Removal and Attached Documents

This is a notice of removal of the homeowner’s legal action to federal court.  The litigation involves a property appreciation option agreement whereby the homeowner receives financing and the investor (Equitykey Real Estate Investments) is owed a percentage of the home’s appreciation.

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Bankers Ins. Co. Supervising Producer Agreement (v.1 May 2009)

This is an agreement between Bankers Insurance Company and a local bail bond company concerning the arrangement between the two.  While bail bond companies may be small, local entities, they have arrangements with large national insurance companies.

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Summaries of Pre-Dodd-Frank Act OTS Interpretive Letters

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Menendez v. DeVos Complaint re False Certification Discharge

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Loan Discharge Application Spouses and Parents of 9/11 Victims

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Memorandum in Support of Motion for Voluntary Remand for Further Administrative Proceedings (Yarpah v. U.S. Dep't of Educ.)

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Order (Eastman v. NPL Capital)