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Sample Notice of Error, At-Risk Renewal –Power of Attorney Issues

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is requiring the homeowner to be conserved in order to renew her At-Risk Extension and avoid foreclosure and in refusing to recognize her durable power-of attorney.  The homeowner also requests information regarding the At-Risk Extension, her power of attorney, communications between the lender and the homeowner, and other information.

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Sample Notice of Error, Deed-in-Lieu

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is foreclosing on the house even though the homeowner executed a deed-in-lieu of foreclosure. The homeowner also requests information regarding the deed-in-lieu, communications between the lender and the homeowner, and other information.

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Sample Notice of Error, Reasonable Accommodation Request

This is a sample notice of error and request for information drafted on behalf of a homeowner (pursuant to RESPA regulations).  The notice asks the reverse mortgage lender to reinstate a payment plan as an accommodation for the homeowner’s disability because the homeowner with a hearing impairment heard the wrong payment amount.  The notice also asks for various information about the loan, the repayment agreement, payments made by the lender for the homeowner, and communication and servicing logs.

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HUD, Instructions for Drafting Fair Housing Complaint

This is a HUD form to initiate a housing discrimination complaint.  It can be used where discrimination is based on disability.

87 Fed. Reg. 63663 (Oct. 20, 2022)

The OCC, the Board, and the Bureau are finalizing amendments to the official interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for “higher-risk mortgages,” termed “higher-priced mortgage loans” or “HPMLs” in the agencies' regulations.

87 Fed. Reg. 76551 (Dec. 15, 2022)

The Consumer Financial Protection Bureau (CFPB) has received a written request to make a determination that the Truth in Lending Act (TILA) preempts a New York State commercial financing law with respect to certain provisions. The CFPB is publishing this notification of intent to make a preemption determination about that law and has made a preliminary conclusion that this law is not preempted by TILA.

87 Fed. Reg. 78831 (Dec. 23, 2022)

The Consumer Financial Protection Bureau (Bureau) is issuing this final rule amending the regulation text and official interpretations for Regulation Z, which implements the Truth in Lending Act (TILA). The Bureau calculates the dollar amounts for several provisions in Regulation Z annually; this final rule revises, as applicable, the dollar amounts for provisions implementing TILA and amendments to TILA, including under the Home Ownership and Equity Protection Act of 1994 (HOEPA), and the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).

87 Fed. Reg. 80435 (Dec. 30, 2022)

The Consumer Financial Protection Bureau (Bureau) is amending the official commentary to its Regulation Z in order to make annual adjustments to the asset-size thresholds exempting certain creditors from the requirement to establish an escrow account for a higher-priced mortgage loan (HPML).

88 Fed. Reg. 16198 (Mar. 16, 2023)

The Consumer Financial Protection Bureau (CFPB or Bureau) is conducting a review of Regulation Z's Mortgage Loan Originator Rules (Loan Originator Rules) pursuant to section 610 of the Regulatory Flexibility Act. Regulation Z, which implements the Truth in Lending Act (TILA), among other things, imposes certain requirements on: loan originator compensation; qualification of, and registration or licensing of, loan originators; compliance procedures for depository institutions; mandatory arbitration; and the financing of single premium credit insurance.

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Reasonable Accommodation Request, Extend Deadline for Acceptance

This is a sample letter to a reverse mortgage lender asking for more time to respond to a repayment plan because of cognitive disabilities, as a reasonable accommodation of her disabilities under the Fair Housing Act.