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Borrower Defense to Repayment Application (Universal)

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Brief of Appellate Nicole D. Nelson on Preemption of State Disclosure Requirements

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Amicus Curiae Brief of Center for Responsible Lending on Preemption of State Disclosure Requirements

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Summaries of HUD Mortgagee Letters on HECM

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Record Retention Requirements for Federal Consumer Protection Laws & Regulations (2018)

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HECM Financial Assessment and Property Charge Guide (July 13, 2016)

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HUD Letter re Captive Reinsurance Programs

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Title 38 U.S.C. (1952)

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38 U.S.C. § 694d (1952)

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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.