TRID Fee Placement
Chart provides guidance on the placement of certain common fees on the loan estimate and closing disclosure.
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Tolerance In 5 Years Monitoring
Tool to aid in validating TRID tolerances for the In 5 Years calculation on the loan estimate and total of payments calculation on the closing disclosure as well as Fee tolerance calculations. Use this tool to ensure your TRID calculations are accurate and fees paid by borrower(s) do not exceed TRID’s specific tolerance limitations.
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Documentation Chart
Chart identifies disclosures required for various common loan types.
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Advertising Checklist
Tool to aid in review of various types of product advertising.
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HOEPA Calculation Worksheet for 2023 Loans
Tool to calculate whether your loan transaction is subject to HOEPA based on the points and fees and prepayment penalties paid by the borrower. Worksheets are updated annually to reflect changes loan amount thresholds. Select the worksheet based on the year the loan has been originated. Example: loan originated in December 2022 – select the HOEPA Calculation Worksheet 2022.01.
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HOEPA Calculation Worksheet for 2022 Loans
Tool to calculate whether your loan transaction is subject to HOEPA based on the points and fees and prepayment penalties paid by the borrower. Worksheets are updated annually to reflect changes loan amount thresholds. Select the worksheet based on the year the loan has been originated. Example: loan originated in December 2022 – select the HOEPA Calculation Worksheet 2022.01.
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HOEPA Calculation Worksheet for 2021 Loans
Tool to calculate whether your loan transaction is subject to HOEPA based on the points and fees and prepayment penalties paid by the borrower. Worksheets are updated annually to reflect changes loan amount thresholds. Select the worksheet based on the year the loan has been originated. Example: loan originated in December 2022 – select the HOEPA Calculation Worksheet 2022.01.
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Regulation E Claim Calendar
Tool to aid in tracking due dates for provisional and final credit, exclude non-Regulation E claims (business cards or merchant disputes) from due dates but allows for claim to be logged and monitored, based on claim type, automatically identifies a 45- or 90-day investigation period.
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Do you Remember? HMDA – Reporting Open-End Lines of Credit
It’s time for a trip into the Way-Back Machine, all the way back to April 16, 2020, when the Consumer Financial Protection Bureau (CFPB) issued a final rule amending Regulation C. This amendment permanently raised the closed-end coverage threshold from 25 to 100 closed-end mortgage loans in each of the two preceding calendar years. The
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