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2. Government policies and the subprime mortgage crisis

   en.wikipedia.org/wiki/Government_policies_and...

   Deregulation, excess regulation, and failed regulation by the federal government have all been blamed for the subprime mortgage crisis in the United States. [7] Conservatives have claimed that the financial crisis was caused by too much regulation aimed at increasing home ownership rates for lower income people. [8]

3. Provisions of the Dodd–Frank Wall Street Reform and Consumer ...

   en.wikipedia.org/wiki/Provisions_of_the_Dodd...

   A "High-Cost Mortgage" as well as a reverse mortgage are sometimes referred to as "certain home mortgage transactions" in the Fed's Regulation Z (the regulation used to implement various sections of the Truth in Lending Act) High-Cost Mortgage is redefined as a "consumer credit transaction that is secured by the consumer's principal dwelling ...

4. Housing and Economic Recovery Act of 2008 - Wikipedia

   en.wikipedia.org/wiki/Housing_and_Economic...

   The United States Housing and Economic Recovery Act of 2008 (commonly referred to as HERA) was designed primarily to address the subprime mortgage crisis.It authorized the Federal Housing Administration to guarantee up to $300 billion in new 30-year fixed rate mortgages for subprime borrowers if lenders wrote down principal loan balances to 90 percent of current appraisal value.

5. Bank regulation in the United States - Wikipedia

   en.wikipedia.org/wiki/Bank_regulation_in_the...

   The Home Mortgage Disclosure Act (HMDA) of 1975, implemented by Regulation C, requires financial institutions to maintain and annually disclose data about home purchases, home purchase pre-approvals, home improvement, and refinance applications involving one- to four-unit and multifamily dwellings. It also requires branches and loan centers to ...

6. Dodd–Frank Wall Street Reform and Consumer Protection Act

   en.wikipedia.org/wiki/Dodd–Frank_Wall_Street...

   Dodd–Frank Wall Street Reform and Consumer Protection Act; Long title: An Act to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes.

7. Mortgage loan originators: What are they and what do ... - AOL

   www.aol.com/finance/mortgage-loan-originators...

   A mortgage loan officer isn’t always the same as a mortgage banker (though they work for one). The officer won’t make the decision to approve or deny you a loan; they just process it and ...