In the December 27, 2018, issue of the Federal Register (83 FR 66601, click here) the Office of the Comptroller of the Currency...
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Read articles below for analysis and discussion of recent trends by BM&G’s industry experts.
VA Revises Cash-out Home Refinance Loan Regulations
On May 24, 2018, the “Protecting Veterans from Predatory Lending Act” (herein “VA Act”) was signed into law, effective as of...
HUD Removes Ten-Year Home Warranty Protection Plan Requirements For High-LTV FHA Single Family Loans
In the December 14, 2018, issue of the Federal Register (83 FR 64269, click here) HUD published a final rule (“Rule”), effective...
CFPB Releases Beta Version of 2018 HMDA Data Platform
As a companion to the HMDA Examiner Transaction Testing Guidelines memorandum posted on our website yesterday,...
HMDA Examiner Transaction Testing Guidelines
As the 2018 HMDA data reporting deadline of March 1, 2019, is approaching, this memorandum is to remind our clients who report...
Federal Regulatory Agencies Joint Statement on Innovative Efforts to Combat Money Laundering and Terrorist Financing
On December 3, 2018, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the...
Updated Exemption Thresholds for Consumer Credit Transactions and Higher-Priced Mortgage Loan Appraisals
In the November 23, 2018 issue of the Federal Register (83 FR 59276) (click here), the Board of Governors of the Federal Reserve...
FDIC Request for Comments and Information on Small-dollar Credit Products by FDIC-supervised Financial Institutions
This memorandum does not address residential mortgage lending topics; however, it will be of interest to our FDIC-supervised...
VA Changes to Qualified Mortgage Loans
On May 24, 2018, the “Protecting Veterans from Predatory Lending Act” (“VA Act”) was signed into law, effective as of that date,...
Welcome to Texas
Click below to view Black, Mann and Graham’s newest training video “Welcome to Texas”. The video contains things that a new lender entering the Texas market should know ( or things about which a seasoned lending doing business in Texas may have long been confused ). The topics include: Homestead , Marital Rights, Licensing and Registration, Disclosures, Document Preparation, Wet Settlement Requirements and Title Insurance. Welcome to Texas and thanks for using Black , Mann and Graham for your document preparation needs.