Oct 15, 2025 · The Fair Housing Act (FHA) and Equal Credit Opportunity Act (ECOA) protect consumers by prohibiting unfair and discriminatory practices.

Withdrawal provisions of the Regulation consider all secured and unsecured credit. The maximum loan value is the good-faith basis, not to exceed 100 percent of the current fair market value of the …

Review account statements regularly to ensure all charges are correct. If your account statement is late in arriving, 4 call your financial institution to find out why. If your financial institution offers electronic …

Good Faith Estimate (GFE) of Settlement Costs – 12 CFR 1024.7 Standard GFE Required For closed-end reverse mortgages, a loan originator is required to provide a consumer with the standard GFE …

Background Effective internal controls are the foundation of safe and sound banking. A properly designed and consistently enforced system of operational and financial internal control helps a …

Consumer fraud impacts millions of Americans every year and often results in financial harm. Learn about the most common types of consumer fraud, how they work, warning signs, and how to protect …

Online and digital fraud occurs via the internet, often through deceptive emails, websites, or messages that trick people into providing personal information or money.

Oct 6, 2025 · For example, while the model risk management guidance states that "it is generally good practice for banks to ensure that all models undergo the full validation process…at some fixed …

This Community Developments Fact Sheet explains the Federal Housing Administration’s (FHA) 203(b) basic home mortgage guarantee program for national banks and federal savings associations …

All other charges and terms must remain the same as on the original GFE, unless changed circumstances or borrower-requested changes result in increased costs for settlement services or …