The United States Housing and Economic Restoration Act of 2008 (generally referred to as HERA) was designed primarily to address the subprime home loan disaster. It approved the Federal Housing Administration to ensure approximately $three hundred billion in new thirty-year preset price mortgages for subprime borrowers if lenders wrote down princip
The HMDA data also detect loans which can be protected by the Home Ownership and Fairness Defense Act (HOEPA). Less than HOEPA, certain forms of mortgage loan loans that have interest prices or overall factors and costs earlier mentioned specified amounts are matter to particular needs, such as additional disclosures to individuals, as well as are
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