Source: https://library.nclc.org/ms/about-authors
Timestamp: 2019-04-26 14:14:44+00:00

Document:
3.3.2 What Is a Qualified Written Request, Notice of Error, or Request for Information?
3.3.5 To Whom Can a Request or Notice Be Sent?
3.3.6 Where to Send a Request or Notice?
3.3.7 Who Can Send a Request or Notice?
3.3.8 When to Send a Request or Notice: Following Transfer of Servicing or Discharge of Loan?
3.8.7.3 When Does the 120-Day Period Begin?
3.8.9.3 When Does the Duplicative Application Exclusion Not Apply?
6.7.2.3 Which Mortgages Were Covered by the HAMP Rules?
7.3.1.3.3 When can the borrower apply for a Flex Modification?
12 C.F.R. § 1024.1 Designation.
12 C.F.R. § 1024.2 Definitions.
12 C.F.R. § 1024.3 E-Sign applicability.
12 C.F.R. § 1024.4 Reliance upon rule, regulation, or interpretation by the Bureau.
12 C.F.R. § 1024.5 Coverage of RESPA.
12 C.F.R. § 1024.11 Mailing.
12 C.F.R. § 1024.12 No fee.
12 C.F.R. § 1024.13 Relation to state laws.
12 C.F.R. § 1024.17 Escrow accounts.
12 C.F.R. § 1024.19 Enforcement.
12 C.F.R. § 1024.20 List of homeownership counseling organizations.
12 C.F.R. § 1024.2 Mortgage servicing transfers.
12 C.F.R. § 1024.30 Scope.
12 C.F.R. § 1024.31 Definitions.
12 C.F.R. § 1024.32 General disclosure requirements.
12 C.F.R. § 1024.33 Mortgage servicing transfers.
12 C.F.R. § 1024.34 Timely escrow payments and treatment of escrow account balances.
12 C.F.R. § 1024.35 Error resolution procedures.
12 C.F.R. § 1024.36 Requests for information.
12 C.F.R. § 1024.37 Force-placed insurance.
12 C.F.R. § 1024.38 General servicing policies, procedures, and requirements.
12 C.F.R. § 1024.39 Early intervention requirements for certain borrowers.
12 C.F.R. § 1024.40 Continuity of contact.
12 C.F.R. § 1024.41 Loss mitigation procedures.
5(c) Relation to State laws.
17(k)(5) Timely payment of hazard insurance.
17(k)(5)(ii) Inability to disburse funds.
33(b) Notices of transfer of loan servicing.
33(c) Borrower payments during transfer of servicing.
33(c)(1) Payments not considered late.
35(b) Scope of error resolution.
35(c) Contact information for borrowers to assert errors.
35(e) Response to notice of error.
35(e)(1) Investigation and response requirements.
35(e)(3)(ii) Extension of time limit.
36(b) Contact information for borrowers to request information.
36(d) Response to information request.
36(d)(1) Investigation and response requirements.
37(a) Definition of force-placed insurance.
37(a)(2) Types of insurance not considered force-placed insurance.
37(b) Basis for charging force-placed insurance.
37(c) Requirements before charging borrower for force-placed insurance.
37(d)(2) Content of reminder notice.
37(d)(2)(i) Servicer receiving no insurance information.
37(d)(5) Updating notice with borrower information.
37(e) Renewal or replacing force-placed insurance.
37(e)(1)(iii) Charging before end of notice period.
37(g) Cancellation of force-placed insurance.
38(a) Reasonable policies and procedures.
38(b)(1) Accessing and providing timely and accurate information.
38(b)(2) Properly evaluating loss mitigation applications.
38(b)(3) Facilitating oversight of, and compliance by, service providers.
38(b)(4) Facilitating transfer of information during servicing transfers.
38(b)(5) Informing borrowers of written error resolution and information request procedures.
39(b)(2) Content of the written notice.
39(c)(1) Borrowers in bankruptcy—Partial exemption.
39(d) Fair Debt Collection Practices Act—partial exemption.
41(b) Receipt of a loss mitigation application.
41(b)(1) Complete loss mitigation application.
41(b)(2) Review of loss mitigation application submission.
41(c) Evaluation of loss mitigation applications.
41(c)(1) Complete loss mitigation application.
41(c)(2) Incomplete loss mitigation application evaluation.
41(c)(2)(iii) Short-term loss mitigation options.
41(c)(3) Notice of complete application.
41(c)(4) Information not in the borrower’s control.
41(c)(4)(ii) Effect in case of delay.
41(d) Denial of loan modification options.
41(f) Prohibition on foreclosure referral.
41(g) Prohibition on foreclosure sale.
41(k)(3) Complete loss mitigation applications pending at transfer.
41(k)(4) Applications subject to appeal process.
41(k)(5) Pending loss mitigation offers.
12 C.F.R. § 1026.17 General disclosure requirements.
12 C.F.R. § 1026.19 Certain mortgage and variable-rate transactions.
12 C.F.R. § 1026.20 Disclosure requirements regarding post-consummation events.
12 C.F.R. § 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
12 C.F.R. § 1026.39 Mortgage transfer disclosures.
12 C.F.R. § 1026.41 Periodic statements for residential mortgage loans.
Rules for certain mortgage disclosures.
19(e)(1)(iv) Receipt of early disclosures.
19(e)(1)(v) Consumer’s waiver of waiting period before consummation.
19(e)(1)(vi) Shopping for settlement service providers.
19(e)(2)(i) Imposition of fees on consumer.
19(e)(2)(i)(B) Exception to fee restriction.
19(e)(2)(ii) Written information provided to consumer.
19(e)(3) Good faith determination for estimates of closing costs.
19(e)(3)(ii) Limited increases permitted for certain charges.
19(e)(3)(iii) Variations permitted for certain charges.
19(e)(3)(iv)(A) Changed circumstance affecting settlement charges.
19(e)(3)(iv)(B) Changed circumstance affecting eligibility.
19(e)(3)(iv)(C) Revisions requested by the consumer.
19(e)(3)(iv)(D) Interest rate dependent charges.
19(e)(3)(iv)(F) Delayed settlement date on a construction loan.
19(e)(4) Provision and receipt of revised disclosures.
19(e)(4)(ii) Relationship between revised Loan Estimates and Closing Disclosures.
19(f)(1)(iv) Consumer’s waiver of waiting period before consummation.
19(f)(2)(i) Changes before consummation not requiring a new waiting period.
19(f)(2)(ii) Changes before consummation requiring a new waiting period.
19(f)(2)(iii) Changes due to events occurring after consummation.
19(f)(2)(iv) Changes due to clerical errors.
19(f)(2)(v) Refunds related to the good faith analysis.
19(f)(4) Transactions involving a seller.
19(g) Special information booklet at time of application.
19(g)(1) Creditor to provide special information booklet.
20(c) Rate adjustments with a corresponding change in payment.
20(e) Escrow account cancellation notice for certain mortgage transactions.
20(e)(5)(i) Cancellation upon consumer’s request.
36(i) Prohibition on financing credit insurance.
John Rao, author, is an attorney with the National Consumer Law Center, Inc. Mr. Rao focuses on consumer credit, mortgage servicing, and bankruptcy issues and has served as a panelist and instructor at numerous bankruptcy and consumer law trainings and conferences. He has served as an expert witness in court cases and has testified in Congress on consumer matters. Mr. Rao is a contributing author and editor of NCLC’s Consumer Bankruptcy Law and Practice and is a co-author of NCLC’s Home Foreclosures. He is also a contributing author to Collier on Bankruptcy and the Collier Bankruptcy Practice Guide. Mr. Rao served as a member of the federal Judicial Conference Advisory Committee on Bankruptcy Rules from 2006 to 2012, appointed by Chief Justice John Roberts. He is a conferee of the National Bankruptcy Conference, fellow of the American College of Bankruptcy, member of the editorial board of Collier on Bankruptcy, board member of the National Consumer Bankruptcy Rights Center, and former board member of the National Association of Consumer Bankruptcy Attorneys and the American Bankruptcy Institute. In 2017, Mr. Rao received the Excellence in Education Award from the National Conference of Bankruptcy Judges.
Sarah Bolling Mancini, author, is of-counsel with NCLC, focusing on foreclosures and mortgage lending, and also is an attorney in the Home Defense Program of Atlanta Legal Aid. She clerked for the Honorable Amy Totenberg, U.S. District Court for the Northern District of Georgia. She a contributing author to NCLC’s Home Foreclosures, Truth in Lending, Mortgage Lending, and Fair Credit Reporting, as well as a co-author of Georgia Real Estate Finance and Foreclosure Law.
Tara Twomey, author, is of counsel with NCLC. She was formerly a clinical instructor at the Legal Services Center of Harvard Law School and a lecturer-in-law at Harvard Law School, Stanford Law School, and Boston College Law School. She is a co-author of NCLC’s Home Foreclosures, Bankruptcy Basics, and Mortgage Lending and a contributing author to Consumer Bankruptcy Law and Practice, Repossessions, and to Collier on Bankruptcy.
Geoff Walsh, author, has been a legal services attorney for over twenty-five years. He is presently a staff attorney with NCLC, and before that he worked with the housing and consumer units of Community Legal Services in Philadelphia and was a staff attorney with Vermont Legal Aid in its Springfield, Vermont office. His practice has focused upon housing and bankruptcy issues. He is a co-author of NCLC’s Home Foreclosures, a contributing author to Consumer Bankruptcy Law and Practice, Fair Debt Collection, Student Loan Law, Credit Discrimination, and Access to Utility Service.
Odette Williamson, author, is an NCLC staff attorney with a focus on sustainable homeownership, consumer credit and foreclosure prevention, manufactured homes, and elder-related issues. She is co-author of NCLC’s Home Foreclosures and Foreclosure Prevention Counseling. She formerly was an assistant attorney general with the Consumer Protection Division of the Massachusetts attorney general’s office.
Steven Sharpe, a contributing author, is a senior attorney in the Hamilton office of the Legal Aid Society of Southwest Ohio, L.L.C., where he represents borrowers facing foreclosure. He previously worked at the Bloomington office of Indiana Legal Services, Inc. where he started advocating on behalf of low-income homeowners in 2005 with a two-year Skadden fellowship. He has been active in national efforts to address problems with the servicing of FHA-insured and USDA-guaranteed mortgage loans. He is a contributing author to NCLC’s Home Foreclosures and has contributed a chapter on government insured loans to Ohio Consumer Law. His article addressing strategies for defending foreclosures of FHA-insured loans appeared in the March/April 2013 edition of the Clearinghouse Review: Journal of Poverty Law and Policy.

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