by Ethan Atkinson | May 15, 2026 | A-E, PropertyPedia
The Consumer Handbook on Adjustable-Rate Mortgages (“CHARM Booklet”) is a consumer disclosure document developed by federal regulatory agencies to help borrowers understand adjustable-rate mortgage (“ARM”) loans and the risks associated with them. Mortgage lenders are...
by Ethan Atkinson | May 15, 2026 | P-T, PropertyPedia
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (“SAFE Act”) is a federal law enacted to establish minimum licensing and registration standards for Mortgage Loan Originators (“MLOs”) throughout the United States. The law was designed to enhance...
by Ethan Atkinson | May 15, 2026 | P-T, PropertyPedia
Regulation Z is the federal regulation that implements the Truth in Lending Act (“TILA”) and establishes detailed rules governing consumer credit disclosures and lending practices. Issued and enforced primarily by the Consumer Financial Protection Bureau (“CFPB”),...
by Ethan Atkinson | May 15, 2026 | P-T, PropertyPedia
The Truth in Lending Act (“TILA”) is a federal consumer protection law enacted in 1968 to promote the informed use of consumer credit by requiring clear and standardized disclosure of key loan terms and costs. Administered primarily through Regulation Z, TILA applies...
by Ethan Atkinson | May 15, 2026 | K-O, PropertyPedia
The “Opt-Out Rule” is a consumer privacy requirement established under the Gramm-Leach-Bliley Act (“GLBA”) that gives consumers the right to limit certain sharing of their nonpublic personal information with nonaffiliated third parties. Under this rule, financial...
