vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Final Rules | Consumer Financial Protection Bureau
Truth in Lending Act (TILA)
 
 

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 Regulation C
 
 

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 Regulation Z
 
 

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 Mortgages
 
 

FEB 24, 2023

Rules of Practice for Adjudication Proceedings

 The Bureau has issued this procedural rule to update its Rules of Practice for Adjudication Proceedings.
 

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 Enforcement
 
 

FEB 07, 2023

Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators

 The Consumer Financial Protection Bureau (CFPB) is issuing this Advisory Opinion to address the applicability of the Real Estate Settlement Procedures Act (RESPA) section 8 to operators of certain digital mortgage comparison-shopping platforms.
 

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 Real Estate Settlement Procedures Act (RESPA)
 
 

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 Regulation X
 
 

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 Mortgages
 
 

 

 
 
 
 Final rule
 
 

DEC 12, 2022

Home Mortgage Disclosure (Regulation C); Judicial Vacatur of Coverage Threshold for Closed-End Mortgage Loans

 This technical amendment updates the Code of Federal Regulations to reflect the closed-end mortgage loan reporting threshold of 25 mortgage loans in each of the two preceding calendar years.
 

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 Home Mortgage Disclosure Act
 
 

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 Mortgages
 
 

 

 
 
 
 Final rule
 
 

NOV 10, 2022

Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination; Public Release of Decisions and Orders

 The CFPB finalized changes to its procedural rule related to nonbank supervision based on a risk determination.
 

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 Supervision
 
 

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 Laying the foundation for open banking in the United States
 

JUN 12, 2023

 Sentando las bases para una banca abierta en el país
 

JUN 12, 2023

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 Prepared Remarks of CFPB Director Rohit Chopra Regarding the Supreme Court’s Decision in CFPB v. CFSA
 

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CFPB, State Authorities Order Ocwen to Provide $2 Billion in Relief to Homeowners for Servicing Wrongs | Consumer Financial Protection Bureau
Because of Ocwen’s track record of problems handling the large volume of mortgage servicing rights it has quickly acquired in recent years, Ocwen is also being ordered to adhere to additional consumer protections, including how it manages transferred lans. Among other things, Ocwen must:

Properly process pending requests: For loans that are transferred to Ocwen, the company must determine the status of in-process loss mitigation requests pending within 60 days of transfer. Until then, Ocwen cannot start, refer to, or proceed with foreclosure.
Honor previous loan modification agreements: If the borrower has a loan modification agreement, Ocwen must honor it under the terms of the company that transferred the loan.
Ensure continuity of contact for consumers: Ocwen will have to ensure that consumers get regular and dependable assistance when they call for help. This includes requiring more than just a single point of contact assigned to each borrower, but also that other Ocwen employees with access to the borrower’s information be available if the borrower wants to speak to someone immediately.
Restrict servicing fees: All servicing fees must be reasonable, bona fide, and disclosed in detail to borrowers. For example, Ocwen cannot collect any late fees if a loan modification application is under review or if the borrower is making timely trial modification payments.
Notify consumers of loss mitigation options and restrict dual tracking: Ocwen generally cannot refer a borrower’s account to foreclosure while the borrower’s application for a loan modification is still pending. If the loan-modification request is denied, the borrower can appeal that decision and Ocwen cannot proceed to foreclosure until that appeal has been resolved.

In January 2013, the CFPB released new rules on mortgage servicing that will apply to every mortgage servicer. The standards that Ocwen must adhere to according to this court order are in addition to the protections offered to consumers under the new rules that take effect on Jan. 10, 2014. More information about the CFPB’s new mortgage rules can be found at: consumerfinance.gov/mortgage.
CFPB, State Authorities Order Ocwen to Provide $2 Billion in Relief to Homeowners for Servicing Wrongs | Consumer Financial Protection Bureau
WASHINGTON, D.C. — Today, the Consumer Financial Protection Bureau (CFPB), authorities in 49 states, and the District of Columbia filed a proposed court order requiring the country’s largest nonbank mortgage loan servicer, Ocwen Financial Corporation, and its subsidiary, Ocwen Loan Servicing, to provide $2 billion in principal reduction to underwater borrowers. The consent order addresses Ocwen’s systemic misconduct at every stage of the mortgage servicing process. Ocwen must also refund $125 million to the nearly 185,000 borrowers who have already been foreclosed upon and it must adhere to significant new homeowner protections.
“Deceptions and shortcuts in mortgage servicing will not be tolerated,” said CFPB Director Richard Cordray. “Ocwen took advantage of borrowers at every stage of the process. Today’s action sends a clear message that we will be vigilant about making sure that consumers are treated with the respect, dignity, and fairness they deserve.”
The proposed Ocwen Consent Order is available at: https://files.consumerfinance.gov/f/201312_cfpb_consent-order_ocwen.pdf 
Ocwen, a publicly traded Florida corporation headquartered in Atlanta, Ga., is the largest nonbank mortgage servicer and the fourth-largest servicer overall in the United States. As a mortgage servicer, it is responsible for collecting payments from the mortgage borrower and forwarding those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures. 
Ocwen specializes in servicing subprime or delinquent loans and places a major emphasis on resolving delinquency through loss mitigation or foreclosure. In recent years, it has acquired competitors – including Homeward Residential Holdings LLC (formerly American Home Mortgage Servicing Inc.) and Litton Loan Servicing LP. It has also acquired the mortgage servicing rights from the portfolios of some of the country’s largest banks.
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We Want to Hear From YouSubmit comments and provide input on FHFA Rules Open for Comment by clicking on Rulemaking and Federal Register.​

Conservatorship

History of Fannie Mae & Freddie Mac Conservatorships 
Senior Preferred Stock Purchase Agreements 

Conservatorship of Fannie Mae 
 and Freddie Mac​​As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness. 

Conservatorship ​Performance Goals​1.  ​​​ 
 Op​​erate the bu​​sines​s in a safe a​nd sound manner.​2.​  ​​​​​​​​​​Prom​ote su​​stainable and equitable access to affordable housing.​
2024 Scorecard​​​​

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FHFA Stats Blog

Downloadable Data ​& Data Reports​​FHFA experts provide reliable data, including all states, about activity in the U.S. mortgage market through its House Price Index, Refinance Report, Foreclosure Prevention Report, and Performance Report.​ 

House Price Index Rele​ase Dates​​​
See HPI Release Dates for​ 2023 and 2024​​​

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Meet the Experts
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​Source: FHFA​​FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...​

 

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Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)
 







 | Federal Housing Finance Agency
 

Annual Report to CongressRead about the agency’s 2022 examinations of Fannie Mac, Freddie Mac and the Home Loan Bank System.Plans and Reports​​​
 

We Want to Hear From YouSubmit comments and provide input on FHFA Rules Open for Comment by clicking on Rulemaking and Federal Register.​

Conservatorship

History of Fannie Mae & Freddie Mac Conservatorships 
Senior Preferred Stock Purchase Agreements 

Conservatorship of Fannie Mae 
 and Freddie Mac​​As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness. 

Conservatorship ​Performance Goals​1.  ​​​ 
 Op​​erate the bu​​sines​s in a safe a​nd sound manner.​2.​  ​​​​​​​​​​Prom​ote su​​stainable and equitable access to affordable housing.​
2024 Scorecard​​​​

Data & Tools

Data
Developer
Tools
Reports
FHFA Stats Blog

Downloadable Data ​& Data Reports​​FHFA experts provide reliable data, including all states, about activity in the U.S. mortgage market through its House Price Index, Refinance Report, Foreclosure Prevention Report, and Performance Report.​ 

House Price Index Rele​ase Dates​​​
See HPI Release Dates for​ 2023 and 2024​​​

Policy, Programs & Research

Policy
Programs
Meet the Experts
Research

​Source: FHFA​​FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...​

 

Mortgage Translations

Mortgage Translations Home
Search or Browse Documents
Glossaries
COVID-19 Resources
Borrower Education Materials
Interpretive Services
Language Translation Disclosure
Learn More
Contact Us

 
Mortgage Translations

  
Glossaries
  
COVID-19 Resources​


 
 
 Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)
 
 

Data Governance

Data

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Conforming Loan Limit Values

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Newsroom | Consumer Financial Protection Bureau
Credit reports and scores
 
 

•
 Access to credit
 
 

 Press release
 
 

 Published
 
 APR 29, 2024

CFPB Finds 15 Million Americans Have Medical Bills on Their Credit Reports

 The CFPB today released research showing that 15 million Americans still have medical bills on their credit reports despite changes by Equifax, Experian, and TransUnion.
 

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 Debt collection
 
 

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 Medical debt
 
 

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 Research
 
 

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 Credit reports and scores
 
 

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 Access to credit
 
 

 Press release
 
 

 Published
 
 APR 24, 2024

CFPB actúa contra tarifas ilegales en hipotecas | CFPB

 CFPB publica una edición de su Reporte de Supervisión descibriendo sus acciones para combatir tarifas inesperadas cobradas por administradores de hipotecas.
 

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 Mortgage servicing
 
 

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 Mortgages
 
 

•
 Supervision
 
 

 Press release
 
 

 Published
 
 APR 24, 2024

CFPB Takes Action to Stop Illegal Junk Fees in Mortgage Servicing

 The Consumer Financial Protection Bureau (CFPB) published an edition of Supervisory Highlights describing the agency’s actions to combat junk fees charged by mortgage servicers.
 

•
 Mortgage servicing
 
 

•
 Mortgages
 
 

•
 Supervision
 
 

 Press release
 
 

 Published
 
 APR 17, 2024

CFPB Takes Action Against Coding Boot Camp BloomTech and CEO Austen Allred for Deceiving Students and Hiding Loan Costs

 The CFPB issued an order against BloomTech and its CEO for deceiving students about the cost of loans and making false claims about graduates’ hiring rates.
 

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 Enforcement
 
 

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 Debt collection
 
 

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 Student loans
 
 

 Press release
 
 

 Published
 
 APR 17, 2024

CFPB toma acción contra BloomTech y Austen Allred

 CFPB demanda al centro de entrenamiento intensivo BloomTech y a su gerente general Austen Allred, por ocultar costos de préstamos y engañar a sus estudiantes sobre índices de empleo.
 

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 Enforcement
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Deputy Regional Inspector General Meridith Seife: Creative Problem Solving to Make Meaningful, Positive Change in Peoples Lives
Read the Employee Profile

What's New

May 23, 2024
Medicaid Managed Care: States Do Not Consistently Define or Validate Paid Amount Data for Drug Claims OEI-03-20-00560
May 22, 2024
Wanted Fugitive: Dr. Yogeshwar Singh "Garry" Gill
Selected CDC Racial and Ethnic Approaches to Community Health Program Recipients Generally Complied With Federal Requirements But Did Not Meet All Targets and Charged Some Unallowable Costs A-02-22-02001

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Enforcement Actions

May 23, 2024; U.S. Department of Justice
Doctor Convicted of Nearly $2M Medicare and Medicaid Fraud Scheme
May 23, 2024; U.S. Attorney's Office, Southern District of New York
U.S. Attorney Announces $10.1 Million Settlement With Managed Long-Term Care Plan For Improper Receipt Of Medicaid Payments
May 23, 2024; U.S. Attorney's Office, Southern District of Florida
Fugitive who fled to the Dominican Republic sentenced for laundering millions of health care fraud proceeds

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HHS-OIG Impact: Medicare Advantage Prior Authorization
HHS-OIG Work Plan
Fraud Alert: Scammers Steal Money From the Public Through Fake HHS Websites and Social Media Schemes
New Mexico Should Refund Almost $120 Million to the Federal Government for Medicaid Nursing Facility Level-of-Care Managed Care Capitated Payments
Bill Text - SB-375 Transportation planning: travel demand models: sustainable communities strategy: environmental review.
The state board shall exchange technical information with the Department of Transportation, metropolitan planning organizations, local governments, and affected air districts and engage in a consultative process with public and private stakeholders prior to updating these targets.(v) The greenhouse gas emission reduction targets may be expressed in gross tons, tons per capita, tons per household, or in any other metric deemed appropriate by the state board.(B) Each metropolitan planning organization shall prepare a sustainable communities strategy, subject to the requirements of Part 450 of Title 23 of, and Part 93 of Title 40 of, the Code of Federal Regulations, including the requirement to utilize the most recent planning assumptions considering local general plans and other factors. The sustainable communities strategy shall (i) identify the general location of uses, residential densities, and building intensities within the region; (ii) identify areas within the region sufficient to house all the population of the region, including all economic segments of the population, over the course of the planning period of the regional transportation plan taking into account net migration into the region, population growth, household formation and employment growth; (iii) identify areas within the region sufficient to house an eight-year projection of the regional housing need for the region pursuant to
	 Section 65584; (iv) identify a transportation network to service the transportation needs of the region; (v) gather and consider the best practically available scientific information regarding resource areas and farmland in the region as defined in subdivisions (a) and (b) of Section 65080.01; (vi) consider the state housing goals specified in Sections 65580 and 65581; (vii) set forth a forecasted development pattern for the region, which, when integrated with the transportation network, and other transportation measures and policies, will reduce the greenhouse gas emissions from automobiles and light trucks to achieve, if there is a feasible way to do so, the greenhouse gas emission reduction targets approved by the state board; and (viii) allow the regional transportation plan to comply with Section 176 of the federal Clean Air Act (42 U.S.C. Sec. 7506). Within the jurisdiction of the Metropolitan Transportation Commission, as defined by Section 66502, the Association of Bay Area Governments shall be
2001 Budget Analysis: Dept Consumer Affairs (1110-1600)
The BAR's most recent information for each program detailing (1) participation, (2) payments to vehicle owners, and (3)
emission reductions.
An assessmentfrom a cost per ton of emission reduction perspectiveof the cost-effectiveness of each program's contribution
toward SIP targets for HC, NOx, and CO.

The Legislature needs, at a minimum, the information discussed above in order to assess the effectiveness of each element of the
Smog Check program and to determine the appropriate level of funding for each. Consequently, we withhold recommendation on
BAR's budget pending receipt and review of this information.
Return to General Government Table of Contents, 2001-02 Budget Analysis
Return to 2001-02 Budget Analysis Table of Contents 
Return to LAO Home Page
Office of Nursing Services (ONS) Home
VA Nursing is a dynamic, diverse group of honored, respected, and compassionate professionals. VA is the leader in the creation of an organizational culture where excellence in nursing is valued as essential for quality healthcare for those who served America.
   Reasons Nurses Love to Work at the VA (pdf)

VA Nurses Making Music - Freedom Sings USA
For Nurses Month 2024, and in partnership with Freedom Sings USA, the Office of Nursing Services paired 10 combat-Veteran VA nurses with professional songwriters to help share their military and VA nursing experiences in original music. Once paired with a songwriter, the VA nurses shared their individual stories while the songwriters transitioned these stories into very personal and powerful musical expressions.
The result, “From the Battlefield to the Bedside”
To listen for free, please visit: Freedom Sings USA – VA Nurses
This very emotional process has also been captured in a documentary film, please view at: From the Battlefield to the Bedside: Honoring VA Nurses Who Served in Combat

Office of Nursing Services - 2023 Annual Report
The Office of Nursing Services (ONS) is pleased to announce the release of the 2023 Annual Report. In addition to sharing collective achievements aligned to the Nursing Workforce Strategic Plan, you’ll find Nursing by the Numbers, Celebrating Success, Cherished Memories and several vignettes showcasing Freedom Sings USA - VA Veteran Nurses Share Their Stories Through Song. Most notably, all photographs included are of actual VA nurses, and represent our exceptionally diverse workforce who all have one thing in common: Honoring the Veteran through Excellence in Healthcare Delivery. For any question please contact: vhaonsinfo@va.gov.
2023 ONS Annual Report

Healthcare Acquired Pneumonia Prevention by Engaging Nurses (HAPPEN)
Recognized as a Diffusion of Excellence Gold Status Practice and a 2020 Gears of Government President's Award Winner, Healthcare Acquired Pneumonia Prevention by Engaging Nurses (HAPPEN) posits that by simply ensuring adequate oral care, twice a day, nurses can help prevent pneumonia development in hospitalized patients. At present, VA Medical Centers are actively leveraging HAPPEN pneumonia prevention principles. As such, VA nurses are successfully reducing non-device associated pneumonia rates across VA by providing consistent oral care likely saving lives, improving clinical outcomes and reducing healthcare costs. Early results are also demonstrating a reduction in community acquired pneumonia rates.
Architecture - California State Capitol Museum
Artists first painted these murals on canvas before workers permanently attached them to the plaster walls. Separating these murals are four barreled niches featuring faux marbleized paint. Inside the niches are urns, which sometimes hold fresh-cut flower arrangements or seasonal decorations.

Dome Interior

The interior dome of the Capitol combines Victorian detail with Classical Renaissance elements and governmental symbols.
From the rotunda, visitors have an unobstructed view of the interior ornamentation of the inner dome. The rotunda rises nearly 100 feet from a circular walk on the second floor to the oculus, a large window located at the apex of the dome. Sixteen windows, each surrounded by eight light bulbs, shed light on the great domed space. The ornamentation of the dome includes bands of cast iron, plaster, and painted canvas. Like the rest of the building, the rotunda ornamentation features design motifs common to neoclassical architecture, including columns with Corinthian capitals, egg and dart moldings, and festoons featuring cornucopias and fruit.
While a rotunda is a feature of nearly every state capitol in the United States, the California State Capitol rotunda is by no means generic. In fact, perhaps the most impressive decorations in the rotunda are those related the California’s state symbols. A band of cast iron grizzly bears looks down on visitors and stylized versions of Minerva, the Roman goddess who is featured on the Great Seal of California, sit atop the arched openings that lead into the second floor rotunda walkways. California-specific ornamentation exists throughout the rest of the building.
Visitors cannot see the circular metal staircase that extends another 90 feet above the oculus to the cupola, a small open space located on top of the Capitol’s outer dome.

Frescoing
The frescoing of the interior dome reflects the Renaissance Revival style popular during Victorian times.
Classical Renaissance Elements
Fleur-de-lis patterns hand painted in soft pastels and decorative plaster festoons adorned in gold reflect light from the dome’s skylights down to the halls below.
Governmental Symbols
Majestic eagles, representing the United States, grace the Corinthian capitals of the 16 pilasters that surround the rotunda.