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  2. Texas federal judge blocks updated fair lending rules - AOL

    www.aol.com/news/texas-federal-judge-blocks...

    A federal judge in Texas on Friday blocked enforcement of new regulations adopted during the Biden administration that sought to overhaul how lenders extend loans and other services to low- and ...

  3. Truth in Lending Act - Wikipedia

    en.wikipedia.org/wiki/Truth_in_Lending_Act

    Truth in Lending Act; Long title: An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit; by restricting the garnishment of wages; and by creating the National Commission on Consumer Finance to study and make recommendations on the need for ...

  4. Mortgage law - Wikipedia

    en.wikipedia.org/wiki/Mortgage_law

    A mortgage is a legal instrument of the common law which is used to create a security interest in real property held by a lender as a security for a debt, usually a mortgage loan. Hypothec is the corresponding term in civil law jurisdictions, albeit with a wider sense, as it also covers non-possessory lien .

  5. Predatory lending - Wikipedia

    en.wikipedia.org/wiki/Predatory_lending

    Also, in 1994, section 32 of the Truth in Lending Act, entitled the Home Ownership and Equity Protection Act of 1994, was created. This law is devoted to identifying certain high-cost, potentially predatory mortgage loans and reining in their terms. Twenty-five states have passed anti-predatory lending laws.

  6. 'It has just wrecked my whole life': Texas woman, 85, says ...

    www.aol.com/finance/just-wrecked-whole-life...

    Modifying a loan is similar but separate from refinancing a loan. Legal experts, including Jefferson's attorneys, stress the importance of getting any loan modifications to your mortgage in writing.

  7. Who pays closing costs in Texas? - AOL

    www.aol.com/finance/pays-closing-costs-texas...

    Closing costs can vary widely depending on many factors, including your specific lender and loan type. According to 2021 data from CoreLogic’s ClosingCorp, the national average for mortgage ...

  8. Garn–St. Germain Depository Institutions Act - Wikipedia

    en.wikipedia.org/wiki/Garn–St._Germain...

    Signed into law by President Ronald Reagan on October 15, 1982 The Garn–St Germain Depository Institutions Act of 1982 ( Pub. L. 97–320 , H.R. 6267 , enacted October 15, 1982) is an Act of Congress that deregulated savings and loan associations and allowed banks to provide adjustable-rate mortgage loans .

  9. HUD-1 Settlement Statement - Wikipedia

    en.wikipedia.org/wiki/HUD-1_Settlement_Statement

    The HUD-1 Settlement Statement is a standardized mortgage lending form in use in the United States of America on which creditors or their closing agents itemize all charges imposed on buyers and sellers in consumer credit mortgage transactions. The HUD-1 (or a similar variant called the HUD-1A) is used primarily for reverse mortgages and ...

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