13-EF-05: CFPB - High Cost Mortgages and Homeownership Counseling (Regulations Z and X)

The final rule expands the transactions covered under Home Ownership Equity Protection Act (HOEPA) and implementing regulations. Notably, purchase money mortgage loans (owner-financed) and home equity lines of credit (HELOCs) are now covered. The rule implements revised statutory threshold or trigger requirements for HOEPA coverage.

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