Truth in Lending: 9.6.3.1.1 Trigger spreads effective January 10, 2014
For loans with applications received prior to January 10, 2014, advocates should refer to the archived version of Chapter 9 available online as companion material to this treatise. For loans with applications received on or after January 10,2014, the APR trigger is based on the average prime offer rate (APOR),690 rather than U.S. Treasury securities.