Compliance Action, Volume 14, Number 12

RESPA: HUD's Questions & Answers Aren't Good News (4 Action Steps)

By Lucy Griffin

There are a lot of questions about HUD's final GFE rules but not a lot of good news in the answers.

Truth in Lending: Hot Spots in the Proposal (7 Action Steps)

By Lucy Griffin

The Fed's proposed changes to closed-end and HELOC disclosures for TIL and Reg Z brings significant changes and hot topics to the table.

Action Training
Truth in Lending (Chart)

By Lucy Griffin

Regulation Z has seen a lot of changes - in proposed and final form - in three years. To help you keep track, we've broken it down for you.

Compliance Notes

• Examining Affiliates
• Notification of Sale or Transfer

Compliance Calendar

In the Editor's Opinion
HUD is Scary

By Lucy Griffin

With HUD's new regulation making mortgage lending onerous for banks, thrifts and credit unions, who is it actually helping?

Compliance Q & A

• Loan Officer with Affiliated Business Arrangement
• GFE on "No-Cost" Loans
• Higher Priced Mortgage Loans vs HOEPA

Risk and Failures

While regulatory risk is not usually the type of risk that leads to failures, it seems to be the common denominator in many recent bank closures.