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From: Stephen Bradley Subject: Reg Z - Truth in Lending Comments: Date: Dec 09, 2009 Proposal: Regul

From: Stephen Bradley Subject: Reg Z - Truth in Lending Comments: Date: Dec 09, 2009 Proposal: Regul-2025

From: Stephen Bradley Subject: Reg Z - Truth in Lending Comments: Date: Dec 09, 2009 Proposal: Regul Preview on Page 1

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The document is a comment from Stephen Bradley regarding the proposed changes to Regulation Z - Truth in Lending, specifically concerning the elimination of Yield Spread Premium (YSP) for mortgage brokers. Bradley argues that this change favors banks by reducing competition and will ultimately raise costs for consumers. He shares his experience in the mortgage industry to illustrate how banks may not prioritize customer interests and warns that such policies could lead to job losses. He calls for decisions that benefit consumers and promote competition.

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What are the 6 things in the Truth in Lending Act?

Regulation Z protects consumers from misleading practices by the credit industry. The Truth in Lending Act applies to home mortgages, home equity lines of credit, reverse mortgages, credit cards, installment loans, and student loans.

What is the Reg Z Truth in Lending Act?

Created to protect people from predatory lending practices, Regulation Z, also known as the Truth in Lending Act (TILA), requires that lenders disclose borrowing costs, interest rates and fees upfront and in clear language so consumers can understand all the terms and make informed decisions.

What is the general purpose of regulation Z?

15 U.S.C. 1601 , et seq., and its implementing regulation, Regulation Z ( 12 CFR 1026 ), were initially designed to protect consumers primarily through disclosures. Over time, however, TILA and Regulation Z have been expanded to impose a wide variety of requirements and restrictions on consumer credit products.