Compliance Action, Volume 11, Number 15

A Better Regulation Z: Is It Possible? (4 Action Steps)

By Lucy Griffin

Changes to Regulation Z require thinking outside the box, or even without the box.

Can RESPA Be Fixed? (3 Action Steps)

By Lucy Griffin

RESPA has several problems that make difficult both compliance and enforcement.

Action Training: Discussion Only Model Mortgage Disclosure (Disclosure Form)

By Lucy Griffin

The Editor's proposed disclosure model is designed to present the information that borrowers ask about most and clarifies their significance.

Compliance Notes

• SEC and FinCEN Sharing Information
• Flood Insurance Penalties
• New CHARM Booklet
• Fun with Reg O
• High Cost Mortgage Trigger
• The New SAR-DI
• Reg O Interim Final

Compliance Calendar

In the Editor's Opinion
Causing Social Change

By Lucy Griffin

The first element to causing social change is the need to change the consumer's behavior when shopping for credit.

Compliance Q & A

• Amount Financed Disclosure
• HMDA-LAR and Error Tolerance Standards
• NSF Notice of Check on Hold