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Regulation Z - Truth in Lending - Closed-end Mortgages - federalreserve

Regulation Z - Truth in Lending - Closed-end Mortgages - federalreserve 2025

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The document is a comment submitted to the Federal Reserve Board regarding proposed changes to Regulation Z - Truth in Lending, specifically for closed-end mortgages. The author, an experienced mortgage industry professional, expresses concern that the proposed regulations may complicate the mortgage process rather than simplify it, potentially harming consumers. They argue that responsible lending practices have improved recently and caution against overzealous legislation that could limit consumer choice and the role of mortgage brokers. The author advocates for better education and accountability for loan originators instead of restricting compensation.

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What does the regulation Z of the Federal Truth in Lending Act apply to?

Certain types of loans are not subject to Regulation Z, including federal student loans, loans for business, commercial, agricultural, or organizational use, loans above a certain amount, loans for public utility services, and securities or commodities offered by the Securities and Exchange Commission.

What is the regulation Z for closed-end credit?

Regulation Z or the Truth in Lending Act, encompasses several laws or acts and has been amended over the years. The regulation requires bank to disclose the terms and cost of consumer credit transactions and includes rules meant to inform and protect consumers.

What loans are not subject to regulation Z?

The rule prohibits a creditor or any other person from paying, directly or indirectly, compensation to a mortgage broker or any other loan originator that is based on a mortgage transactions terms or conditions, except the amount of credit extended.

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