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Back to Basics
Mortgage brokers are going to have to do business differently under the changes in Reg. Z.
By Jennifer Harmon

Brokers are going back to basics. That is the result of the final rule amending Regulation Z through which the goal of lawmakers is to return the marketplace back to where free-flow of mortgage credit is available to borrowers.

One of the hallmarks of the recently approved final rule by the Federal Reserve Board for home mortgage loans to better protect consumers and facilitate responsible lending is the requirement on subprime or higher-priced loans, including mortgages where the triggers of the Home Ownership and Equity Protection Act are met. ...

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