Pratt's State Regulation of Second Mortgages and Home Equity Loans

Pratt's State Regulation of Second Mortgages & Home Equity Loans

Authors: Andrea Lee Negroni, Esq., Jonathan D. Jaffe, Esq., John P. Kromer, Esq., Paul H. Schieber, Esq., and Marsha L. Williams, Esq.
Format/Frequency of Update: 3-ring binder/ 1 update annually
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Order the reference you need by region:

All 6 volumes
Northeast: Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, Vermont
Mid-Atlantic: Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania, Virginia
Southeast: Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee, West Virginia
South Central: Arizona, Arkansas, Colorado, Kansas, Louisiana, Missouri, New Mexico, Oklahoma, Texas
North Central: Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin
Western: Alaska, California, Hawaii, Idaho, Montana, Nevada, Oregon, Utah, Washington, Wyoming

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Lenders engaging in second mortgages and home equity loans need to keep up-to-date with the myriad, rapidly changing state laws and regulations.

Pratt's State Regulation of Second Mortgages and Home Equity Loans provides you with the information and guidance you need to comply with state laws and regulations.

Expert summary of laws related to each state.
State-specific rules pertaining to:

Introduction
Advertisements
Application Practices
Bad Check Charges
Balloon Payments
Brokering Second Mortgage Loans
Consumer Protection
Credit Line/Revolving Credit Loans
Disclosures
Discrimination
Fees and Charges
Home Equity Loans
Insurance
Interest and Usury
Late Charges
Licensing
Plain English
Predatory Lending
Prepayment
Prohibited Loan Terms
Record Retention
Miscellaneous

References to the applicable laws or regulations, so you can always get the answers you need quickly and easily.

With each manual in the series, you’ll receive a companion CD at no extra charge. The CD contains all of the state laws, regulations, and analysis that affect making and brokering junior mortgage loans and home equity lines of credit in a searchable format. Additionally, up-to-date applications and forms for each state are conveniently located on the CD for you to print or review. This is the most convenient, comprehensive resource available in the market today.

Andrea Lee Negroni is a consumer finance and mortgage banking attorney with a special expertise in the area of state regulatory compliance for mortgage bankers, mortgage brokers and consumer creditors. Of Counsel in the law firm of Buckley Kolar, LLP, Ms. Negroni is a nationally-known expert in the field of licensing of financial institutions, including lenders, brokers, debt collectors, sales finance companies, and others.

She is the author of the definitive manual of state mortgage banking laws, regulations and judicial decisions, and of numerous articles for trade publications, such as Servicing Management, Secondary Marketing Executive, Real Estate Finance Today, and Mortgage Banking. She is a regular lecturer at meetings of the Mortgage Bankers Association of America, the National Association of Mortgage Brokers, and the American Association of Residential Mortgage Regulators.

Jonathan D. Jaffe is a California-based attorney whose national law practice involves advising clients in real estate, mortgage finance, consumer finance, financial institutions, corporate and e-commerce law. Currently a partner in the law firm of Kirkpatrick & Lockhart LLP, he previously served as in-house counsel with a national mortgage banking firm, two savings and loan companies and an online financial services aggregator.

Mr. Jaffe is an active member of the California Mortgage Bankers Association and the Mortgage Bankers Association of America, and has previously chaired the Legal Issues Committee of both associations. He is also an active member of the Consumer Financial Services Committee of the American Bar Association. He has written extensively in trade publications on real estate finance and mortgage banking.

John P. Kromer is a partner in the law firm of Buckley Kolar, LLP, where his practice focuses on state and federal regulatory compliance for the consumer credit and mortgage finance industries. He has experience in the legislative process, having served as a policy advisor to a member of Congress and as a legislative aide to a member of the Virginia Legislature.

Mr. Kromer is the author of several books concerning the regulation of the mortgage industry, and numerous articles on state regulation of mortgage loans and on the licensing of mortgage companies. He has lectured at meetings of the Mortgage Bankers Association of American and the American Association of Residential Mortgage Regulators.

Paul H. Schieber is a partner resident in the Philadelphia office of the law firm of Blank Rome LLP., where he is chairman of that firm's consumer financial services group. His practice focuses on consumer loan and credit sale transactions, including mortgage loan transactions and second mortgage and home equity loan programs, credit cards, and revolving credit loans. His clients include banks, thrift institutions, mortgage and consumer finance companies, and others involved in residential and consumer lending.

Mr. Schieber is the author of several publications on second mortgage lending and other consumer lending topics, and has written numerous articles on mortgage lending, RESPA, fair lending and related topics. He is a frequent lecturer at meetings of the Pennsylvania Association of Mortgage Bankers, the Mortgage Bankers Association of America, the National Home Equity Mortgage Association, and numerous other regional and national organizations.

Marsha L. Williams is an attorney with Middleberg, Riddle & Gianna, a law firm with offices in Dallas and New Orleans.

Ms. Williams serves on the National Advisory Council of the Federal National Mortgage Association. She is a past president of the Dallas Mortgage Bankers Association and a member of the board of directors of the Texas Mortgage Bankers Association. She chairs the Mortgage Bankers Association's education committee, and has held other leadership roles in that and other mortgage banker associations. She has written for numerous publications in legal and trade journals, in addition to regional publications.