Mortgage: Banks covers residential mortgage lending laws from the perspective of a depository institution (i.e. state bank, state savings bank or state savings and loan association) chartered in each state. The following types of mortgage products are covered:
- closed end loans
- open-end lines of credit
- first and junior lien
- purchase money and non-purchase money
The responses are based on the law applicable to a state-chartered depository institution in each state. In addition, Mortgage: Banks includes all potential federal preemptions that can affect a depository institution's choice of applicable laws, whether the depository institution is lending within the state, is exporting out of the state or is exporting into the state. The product addresses issues in a question/answer format. The questions relate to licensing, fee and payment limitations, disclosures, titling and security interests, recordkeeping, collections, and other pertinent issues.
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