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Effective July 31, 2009
New Truth in Lending Disclosure Requirements:
The earliest a home purchase transaction can close is 7 business days after
the initial TIL Disclosure is issued by the lender to the homebuyer.
An increase of more than .125% in the Annual Percentage Rate (APR) from
the initial TIL Disclosure requires the TIL Disclosure be reissued - and
received by the homebuyer 3 business days prior to the closing.
Initial Fee Restrictions:
Consumers cannot be charged any upfront fees until after they receive the
initial disclosures. The only exception is a reasonable credit report fee.