12 C.F.R. §1026.20 - Disclosure requirements regarding post-consummation events
| Cite as | 12 C.F.R. §1026.20 |
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12 cases
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Freeman v. Ocwen Loan Servicing, LLC, Case No. 1:18-cv-03844-TWP-DLP
...through:(i) Ocwen's breach of its duty to send interest rate and payment change notices pursuant to 15 U.S.C. § 1638a and Reg. Z, 12 C.F.R. § 1026.20(c) and (d); (ii) Ocwen's breach of its duty to promptly credit payments pursuant to 15 U.S.C. § 1639f and Reg. Z, 12 C.F.R. § 1026.36(c)(1); ......
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Nguyen v. Madison Mgmt. Servs., LLC, 3:16-cv-00263-BR
...§ 1024.1; Claims 12 and 13 for violation of the Truth in Lending Act (TILA), 15 U.S.C. § 1601, et seq., as set forth in Regulation Z, 12 C.F.R. §§ 1026.20 and 1026.41; Claim 14 for violation of the Fair Debt Collections Practices Act (FDCPA), 15 U.S.C. § 1692, et seq.;Page 8 Claims 15 and 1......
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Fogarty v. Household Fin. Corp., Civil No. 14-4525 (RBK/JS)
...change in the payment schedule ... as a result of the consumer's default or delinquency ... shall not be treated as a refinancing." 12 C.F.R. § 1026.20(a). The Official Staff Interpretation to the section confirms this, stating that "[c]hanges in the terms of an existing obligation, such as......
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Rankin v. Saldutti, LLC, CIVIL ACTION NO. 19-1508
...regulations to carry out purposes of the TILA. See 15 U.S.C. § 1604(a). Those regulations are collectively known as Regulation Z, 12 C.F.R. Part 1026 et seq. Under the TILA and RegulationPage 7 Z, a "creditor"4 that extends "credit"5 to "consumers"6 must make certain disclosures before the ......
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1 books & journal articles
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Real estate acquisitions and sales
...expresses its acceptance of the new borrower as assignee and 3) there is a written agreement memorializing the assumption. [ See 12 C.F.R. 1026.20(b).] • If, in a commercial transaction, the borrower mortgages his or her home to secure a business loan, the mortgage is not subject to the TRI......
1 provisions
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Act 141, HB 5084 – Financial institutions; loan officers; mortgage loan originator licensing grace period during certain changes in occupational circumstances; provide for. Amends secs. 3 & 5 of 2009 PA 75 (MCL 493.133 & 493.135) & adds secs. 5a, 5b & 5c
...amortgage servicer, who offers or negotiates the terms of a residential mortgageloan transaction that constitutes a refinancing under 12 CFR 1026.20(a) or thatobligates a different consumer to pay the existing residential mortgage loan. (3) A loan processor orunderwriter who is an independe......