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Sample TILA Rescission Notice (Version with Alternative Tender Paragraphs)

TILA requires only a bare bones letter, which does not need to have as much explanation as this sample rescission letter. The Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer.  However, the practitioner may include the specific violations for strategic reasons.

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Sample TILA Rescission Notice (Detailed Version)

This rescission letter is quite detailed. Truth in Lending does not require this type of completeness-- the Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer.  But such a letter may be used if it is believed it will lead to a quicker and more beneficial settlement of the case—that it is best to present to the creditor the consumer's case in as much detail and as persuasively as possible as early as possible. This letter was drafted in 1993 and may rely upon outdated caselaw.

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Sample TILA Rescission Notice (Version in Foreclosure Rescue Scam Case)

This is a sample TILA rescission notice in a foreclosure rescue scam case. TILA requires only a bare bones letter, which does not need to have as much explanation as this letter. The Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer.  In the case of a foreclosure rescue scam, however, it is probably best to give the scammer some explanation as to why the sale is in fact a loan covered by TILA.

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Sample Credit Card Dispute Letter

The Fair Credit Billing Act provides credit card holders with certain rights to dispute a credit card charge.  Other Truth in Lending provisions may provide additional rights.  This is a sample letter to a card issuer disputing credit card charges.

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HECM Due and Payable Policies

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Life Expectancy Set-Aside Growth Rate and Clarification to Section 3.98 of the HECM Financial Assessment and Property Charge Guide

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Delay in Effective Date for Financial Assessment and Property Charge Funding Requirements for the Payment of Certain Property Charges

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Mortgagee Optional Election Assignment for HECMs with FHA Case Numbers Assigned Prior to August 4, 2014

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Policy Guidance and Certifications for Eligible and Ineligible Non-Borrowing HECM Spouses and Seasoning Requirements Guidance

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HECM Financial Assessment and Property Charge Requirements

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Revised Changes to the HECM Program Requirements

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New HECM Principal Limit Factors