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Required Disclosures For Mortgage Loans

Category:
Contracts - Retail Installment
State:
Multi-State
Control #:
US-02514BG
Format:
Word; 
PDF; 
Rich Text
Instant download
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Description Federal Truth In Lending Disclosure Statement

The Truth-in-Lending Act (TILA) is part of the Federal Consumer Credit Protection Act. The purpose of the TILA is to make full disclosure to debtors of what they are being charged for the credit they are receiving. The Act merely asks lenders to be honest to the debtors and not cover up what they are paying for the credit. Regulation Z is a federal regulation prepared by the Federal Reserve Board to carry out the details of the Act. TILA applies to consumer credit transactions. Consumer credit is credit for personal or household use and not commercial use. Closed-end transactions involve a fixed amount to be paid back over a period of time such as a note or a retail installment contract.
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