The HMDA knowledge also determine loans that are protected by the house Possession and Fairness Defense Act (HOEPA). Under HOEPA, selected varieties of mortgage loan loans which have interest fees or full factors and charges over specified levels are issue to selected prerequisites, including supplemental disclosures to consumers, and in addition a
The HMDA data also establish loans which might be included by the Home Ownership and Equity Safety Act (HOEPA). Underneath HOEPA, sure different types of house loan loans that have curiosity premiums or overall factors and fees earlier mentioned specified concentrations are subject to certain prerequisites, like supplemental disclosures to consumer
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