Overview

Use this manual to implement your internal policy and operations. This policy summarizes the Rule, provides definitions and other key requirements, and describes the timing and allowable variances for each disclosure.

Many federal offices require implementation or access to this manual, including:

  • CFPB - Consumer Financial Protection Bureau
  • FNMA - Fannie Mae
  • FHLMC - Freddie Mac
  • FHA - Federal Housing Administration
  • VA - Veteran's Affairs
  • USDA - United States Department of Agriculture
  • Federal Reserve Board

The Know Before You Owe Policy Manual is a complete, pre-written AllRegs Policy Manual. Order your Know Before You Owe Policy Manual today!

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Benefits

This policy manual addresses the RESPA-TILA-RESPA Integrated Mortgage Disclosure Rule, which mandates the use of the Loan Estimate and Closing Disclosuretwo new disclosures for closed-end credit transactions and thereby replaces four existing disclosures. The rule impacts all creditorslenders who make more than five closed-end mortgage loans per year. The Final Rule further amends the required elements for an application as well as implements a new Escrow Account Cancellation Notice.

This policy manual has been updated to include requirements of the 2017 and 2018 TILA-RESPA Final Rules as issued by the CFPB.

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