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Brief of Appellate Nicole D. Nelson on Preemption of State Disclosure Requirements
Amicus Curiae Brief of Center for Responsible Lending on Preemption of State Disclosure Requirements
Summaries of HUD Mortgagee Letters on HECM
Record Retention Requirements for Federal Consumer Protection Laws & Regulations (2018)
HECM Financial Assessment and Property Charge Guide (July 13, 2016)
HUD Letter re Captive Reinsurance Programs
Title 38 U.S.C. (1952)
38 U.S.C. § 694d (1952)
38 U.S.C. § 1804 (1958)
Evaluation of VA's Home Loan Guaranty Program (2004 Final Report)
Evaluation of VA's Home Loan Guaranty Program (2004 Report Appendices)
Legislative History of the VA Home Loan Guaranty Program (2006)
National Housing Act of 1950
A Brief History of the Housing Government Sponsored Entities
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.
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.
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.
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.
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.
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.
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.
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.