FDIC’s Final Rule Extends TAG Program 6 Months to June 30, 2010; Participating Entities Can Opt Out of Extension by November 2
Working Around the October 1 Reg Z Changes
Changes to HUD’s Reg X (RESPA) Go In Effect January 1, 2010
Special Risks Surround Using Farm Products as Collateral
Creation of HPMLs and Requirements for Verification of Repayment Ability for HPMLs and HOEPA Loans
New Escrow Requirement for HPMLs Effective for Applications Received on or after April 1, 2010 (October 1, 2010 for Manufactured Homes)
Restrictions on Prepayment Penalties for HPMLs and HOEPA Loans Effective 10/1/2009
Revisions to HMDA (Reg C) Incorporate Reg Z’s Addition of HPMLs Effective 10/1/2009
New Appraisal-Related Amendments Effective 10/1/2009
New Mortgage Servicing Practices Effective 10/1/2009
New Advertising Restrictions Affecting Closed-End Credit Loans Effective 10/1/2009
S.A.F.E. Act Redux
Greetings from the OBA’s New General Counsel
Reg D – Savings Deposit Transfers Rule Changes July 2, 2009
Reg Z – MDIA Changes – Effective July 30, 2009
The Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act)
The Oklahoma Department of Consumer Credit’s Truth in Lending Permanent Rule
Consumer Loan Dollar Amounts – No Changes
Charging Consumer Interest Using a 360-Day Year?
Adding a Floor to Variable-Rate Mortgage Loans?
Waiving a Rate That is Too High
Default Interest Not Allowed on Consumer Loans?
New Rules for Disclosure of Overdraft Fees
New FDIC Disclosure for Banks Offering Sweep Accounts
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Settlement funds payable to minor – Title 12 O.S. § 83 It’s tax re(fun)d time …
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