This is a sample one-page client intake form regarding a car purchase, requesting background information about the client and the vehicle, a summary of vehicle problems, information on vehicle history, contacts with manufacturer, how the client found the attorney, and disposition of the representation.
The “Pooling and Servicing Agreement” is the legal document that contains the responsibilities and rights of the servicer, the trustee, and others over a pool of mortgage loans. The Pooling and Servicing Agreement can be a stand alone document or it can be part of another paper, usually called the “Prospectus.” If the securitization is public, these documents must be filed with the Securities and Exchange Commission (SEC). These filings are available to the public at http://www.sec.gov.
The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures. This is the PowerPoint document from a fourth 2014 webinar presented by the CFPB presenting more detail concerning completing the closing disclosures on the integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.
The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures. This is the PowerPoint document from a third 2014 webinar presented by the CFPB presenting more detail concerning completing the loan estimate on the integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.
The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures. This is the PowerPoint document from a second 2014 webinar presented by the CFPB presenting more detail concerning specific topics related to the new integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.
The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures. This is the PowerPoint document from a 2014 webinar presented by the CFPB presenting an overview concerning the new integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.
While computer programs are now the most common way to compute an annual percentage rate (APR), an early alternative way sanctioned by the FRB was use of the FRB Annual Percentage Rate tables. This Volume II can be used to calculate APRs for “irregular” transactions. Volume I can be used to compute APRs for “regular” transactions and for transactions with irregular first payments, irregular first periods, and irregular final payments.
While computer programs are now the most common way to compute an annual percentage rate (APR), an early alternative way sanctioned by the FRB was use of the FRB Annual Percentage Rate tables. This practice tool is the instructions as to their use. NCLC practice tools also include Volume I to be used to compute APRs for “regular” transactions and for transactions with irregular first payments, irregular first periods, and irregular final payments, and Volume II used to calculate APRs for “irregular” transactions.
This HOEPA fees and points worksheet calculates whether an open-end mortgage loan originated after January 10, 2014, must comply with HOEPA because of the size of its points and fees. It calculates trigger fees, the “total loan amount,” and the trigger fees as a percentage of the “total loan amount.” Other NCLC practice tools provide worksheets for closed-end mortgage loans originated on or after January 10, 2014 and for closed-end mortgage loans originated prior to January 10, 2014.