Need to get your plan in place? AllRegs can help. Our Anti-Predatory Lending Policy Manual (covering Ability to Repay (ATR) requirements of Dodd-Frank, Fair Lending/Net Tangible Benefits, and guidance for agency compliance) will address these laws, and now you can take our plan and run with it. This plan is ready for implementation in your organization and could be utilized to support your company's needs with regard to having a fair lending plan.

This document may support meeting your Fair Lending policy requirements as well as for the following regulations: the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHAct), Fair Credit Reporting Act (FCRA), Home Owners Equity Protection Act (HOEPA), Flood Disclosure Act, Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TIL) and the Fair and Accurate Transactions Act (FACTA). It also includes checklists for monitoring and assessment.

The Anti-Predatory Lending Policy Manual is a pre-written, complete AllRegs Policy Manual. Order yours today!

The following agencies, federal offices, and entities require implementation of this policy manual:

  • Consumer Financial Protection Bureau
  • Fannie Mae
  • Freddie Mac
  • HUD
  • USDA
  • Ginnie Mae



The Anti-Predatory Lending Policy Manual is considered to be a core element of a company's operational business plan and applies to all residential mortgage transactions and the full scope of products, property types, and geographic locations. The policy impacts all employees on an interdepartmental level and is strictly enforced on both retail and third-party origination business platforms and all service delivery channels including, but not limited to, in-person applications, telephone applications, web-based applications, and mail applications.

The policy manual features the following benefits:

  • Complete AllRegs' Anti-Predatory Lending Policy Manual, saving you development time and resources
  • This policy is delivered via email within one business day after purchase
  • Complete sections on a Borrower's Ability to Pay and Net Tangible Benefit
  • Includes checklists for approved loans, and borrowers with non-approved loans
  • Supports training and monitoring to help ensure policy effectiveness
  • Meet your regulatory or internal compliance requirements
  • Affordable one-time purchase fees

Publishing Services

Publish your manual, including your company procedures, in AllRegs Online as an upgrade to your complete policy manual solution. Ask us how!

Policy Manual

Anti-Predatory Lending Policy Manual From AllRegs