Mortgages Analyzed
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Mortgages Analyzed
Mortgage Related Laws and Regulations
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OCC Banking Circular 169
This circular presents the policy of the Comptroller of the Currency regarding the accounting treatment for the exchange of mortgages for participation certificates by National Banks involved in the Federal Home Loan Mortgage Corporation's (FHLMC) Guarantor Phase I and II mortgage swap programs....   Read More
Jun 11, 1992
OCC Bulletin 2009-2
On October 20, 2008, the Board of Governors of the Federal Reserve System (Board) approved final amendments to Regulation C (Home Mortgage Disclosure Act) to revise the rules for reporting price information on higher priced mortgage loans. The rules are being conformed to the definition of 'higher-priced mortgage loan' adopted by the Board under Regulation Z (Truth in Lending) in July of 2008. Under the final rule, a lender will report the spread between the loan’s annual percentage rate (AP...   Read More
Jan 05, 2009
The Federal Housing Finance Agency (FHFA) has issued a statement relative to concerns with certain energy retrofit lending programs. Insured institutions should be aware of such programs, as these programs could affect their residential mortgage lending activities and the ability to sell loans to Fannie Mae and Freddie Mac.


- The FHFA statement may impact institutions' ability to sell residential mortgage loans to Fannie Mae and Freddie Mac.

- The FHFA statement advises that...   Read More
Jul 06, 2010
OCC Bulletin 2010-25
The Office of the Comptroller of the Currency (OCC) is issuing this guidance to alert national banks to concerns and regulatory expectations regarding certain state and local lending programs for energy retrofitting of residential and commercial properties, frequently termed a Property Assessed Clean Energy (PACE) program. PACE or PACE-like (PACE) programs use the municipal tax assessment process to ensure repayment. Under most of these programs, such loans acquire priority lien, thereby movin...   Read More
Jul 06, 2010
Public Law No 114-113
The Consolidated Appropriations Act, 2016 provides FY2016 appropriations; extends expiring tax provisions; and affects policies in areas including oil exports, intelligence, cybersecurity, health care, financial services, visa waivers, and conservation.

The bill provides appropriations for the federal government through the end of FY2016. The twelve regular appropriations bills included in the divisions of the bill increase discretionary spending above FY2015 levels, which reflects the increa...   Read More
Dec 18, 2015
CFPB Approval: Status of New URLA
The Bureau of Consumer Financial Protection (Bureau) is publishing a notice pursuant to the Equal Credit Opportunity Act concerning the new Uniform Residential Loan Application and the collection of expanded Home Mortgage Disclosure Act information about ethnicity and race in 2017.

The Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association (collectively, the Enterprises), under the conservatorship of the Federal Housing Finance Agency (FHFA), issued a revised and...   Read More
Sep 29, 2016
The FDIC has updated the Affordable Mortgage Lending Guide, Part I: Federal Agencies and Government Sponsored Enterprises to reflect the most up-to-date information available about the mortgage products offered through federal housing programs, Fannie Mae and Freddie Mac.


1. The Affordable Mortgage Lending Guide, Part I: Federal Agencies and Government Sponsored Enterprises is designed as a resource for community banks to gain an overview of a variety of products, compare diffe...   Read More
Dec 06, 2018


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