The HMDA data also determine loans that happen to be coated by the Home Ownership and Fairness Security Act (HOEPA). Less than HOEPA, specified types of mortgage loan loans which have curiosity charges or whole details and costs previously mentioned specified degrees are matter to particular necessities, for instance further disclosures to customer
The HMDA details also discover loans that are lined by the house Possession and Equity Safety Act (HOEPA). Underneath HOEPA, certain forms of mortgage loans that have curiosity premiums or full points and fees previously mentioned specified concentrations are subject to specific demands, which include additional disclosures to shoppers, and likewis
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