12 C.F.R. §203.4 - Compilation of loan data
| Cite as | 12 C.F.R. §203.4 |
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5 cases
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National State Bank, Elizabeth, NJ v. Long, Civ. A. No. 77-2168.
...stands, the reporting and disclosure requirements of the state act and of the HMDA differ substantially. See id. at 7; compare 12 C.F.R. § 203.4 with N.J.A.C. The state act's prohibitory requirements are contained in sections 3 and 7, N.J.Stat. Ann. 17:16F-3 & F-7, and, to a certain degree,......
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Adkins v. Morgan Stanley, Morgan Stanley & Co., 12-CV-7667 (VEC)
...Treasury securities having comparable maturity periods. Home Mortgage Disclosure, 67 Fed. Reg. 43218, 43223 (June 27, 2002) (amending 12 C.F.R. § 203.4(a)).13 Essentially, the "high-cost" component of a "combined-risk loan" means that the interest rate on the loan is substantially higher th......
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City of L. A. v. Wells Fargo & Co., Case No. 2:13-cv-09007-ODW(RZx)
...1.5 percentage points above the federal benchmark. (Opp'n 13.) The City claims that this new definition is used by HUD. (Id. [citing 12 C.F.R. § 203.4(a)(12)].) The City's last-minute decision to apply a more permissive definition carries no legal significance, but is just another example o......
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Eastern Sav. Bank v. Aguirre, INDEX NO. 26258/09
...whereby plaintiff agreed to findings that it had violated the Home Mortgage Disclosure Act (12 USC § 2801), and corresponding regulations (12 CFR 203.4), and such violations are part of a pattern or practice of misconduct. Plaintiff consented to an order directing it to pay $25,000.00 to th......
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1 books & journal articles
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Proxy Discrimination in the Age of Artificial Intelligence and Big Data
...217. Wachter, Mittelstadt & Russell, supra note 211, at 881–83. 218. Home Mortgage Disclosure Act of 1975, 12 U.S.C. § 2803 (2012); 12 C.F.R. §§ 203.4– 203.5 (2018). 219. See, e.g., DEBBIE GRUENSTEIN BOCIAN, WEI LI, CAROLINA REID & ROBERTO G. QUERCIA, CTR. FOR RESPONSIBLE LENDING, LOST GROU......