Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 6 contracts
Samples: Home Loan Purchase Agreement (Home Loan Trust 2006-Hi1), Loan Purchase Agreement (Home Loan Trust 2006-Hi2), Assignment and Assumption Agreement (RALI Series 2006-Qs3 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt xx seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed xx or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Home Loan Practices Act, Ind. Indiana Code Ann.ss.ss.24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007000) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx axx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 et xt seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 3 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo10 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qo2 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qo1 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt xx seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed xx or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Home Loan Practices Act, Ind. Indiana Code Ann.ss.ss.24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007000) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx axx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs2 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qs11 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt xx seq. Effective October 1, 2002 - March Xxrch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed xx or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loans Code Ann.ss.ss.24-9-1-1 et seq. Effective January 1, 2005; xmended by 2005 HB 1179, effective July 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 16a-0-000) and; became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx axx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 et xt seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Xxxxxtive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------- Ohio H.B. 386 (codified in various sections Covered Loan of the Ohio Code), Ohio Rev. Code Ann. ss.ss.1349.25
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qa1 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qh8 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 60, 0000) Xxx.xx.xx.0-0X-0 xt 0X-1 et seq. Effective October 1, 2002 2000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn cloxxx on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loans Code Ann.ss.ss.24-9-1-1 et seq. Effective January 1, 0005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 00x-0-207) and; became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seqsex. xxx 000 X.X.R.ss.ss.40.01 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.590X.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Xffective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------- Ohio H.B. 386 (codified in various sections Covered Loan of the Ohio Code), Ohio Rev. Code Ann. ss.ss.1349.25
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh1 Trust), Assignment and Assumption Agreement (RALI Series 2006-Qh1 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 LoaN et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.00-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan 7, 2003 - current) Ann.ss.ss.70-6A-1 et seq0X-0 xx xxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loans ss.ss.24-9-1-1 et seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seqStat.xx.xx.000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Ohio H.B. 386 (codified in various sections of the Covered Loan Ohio Code), Ohio Rev. Code Ann.ss.ss.1349.25
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh3 Trust), Assignment and Assumption Agreement (RALI Series 2006-Qa10 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Home Loan Practices Act, Ind. Indiana Code Ann.ss.ss.24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo9 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective Xxxxctive for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Xxnsumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.xx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1Effective Xxxx 0, 20000000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Emx3 Trust)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. .High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActLexxxxx Xxx, Ga. Code High Cost Home Loan Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Valxx ss.ss.16a-1-101 et seq. Consumer Loan (id.ssid. ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. .High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Xome Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S1 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective Efxxxtive October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective High Cost Home Loan Efxxxtive for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 xxx 000.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home Loan seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss.16a-1-101 et seq. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. Stat.ss.ss. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.010 et seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAAC Series 2007 SP2 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.00-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan 7, 2003 - current) Ann.ss.ss.70-6A-1 et seq0X-0 xx xxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seqStat.ss.xx.000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAAC Series 2007-Sp3 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 Loxx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000Xxx.xx.xx. Xxxx Xxxx Xxxx Xxan 2003) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan Codx Xxx.xx.xx. Xxxx Xxxx Xxxx Xxan - cuxxxxx) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Conxxxxx 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Higx Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September November 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Xxme Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Nc1 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan 1, 2002 - Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan amended (Mar. 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Xxnsumer ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Hixx Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Xxme Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S6 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Xxxh Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Cxxx Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. High Cxxx Home Loan Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home Loan seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1Ann.ss.ss.16a-1-101 et seq. High Xxan to Value Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 Sxxx.xx.xx. Xxxx Xxxx Xxxx Xxxn 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.000 xt seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2007-Rs2 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. 494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.00-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan 7, 2003 - current) Ann.ss.ss.70-6A-1 et seq0X-0 xx xxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seqStat.xx.xx. 000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. 32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.xx.xx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat.ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November aftxx Xxxxxxxr 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1Octobex 0, 2003 0000 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rs2 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Xxxh Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Cxxx Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. High Cxxx Home Loan Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home Loan seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1Ann.ss.ss.16a-1-101 et seq. High Xxan to Value Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 Sxxx.xx.xx. Xxxx Xxxx Xxxx Xxxn 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.000 xt seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Ohio H.B. 386 (codified in various sections of the Ohio Code), Ohio Covered Loan Rev. Code Ann.ss.ss.1349.25 et seq. Effective May 24, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Subsection 10 Mortgage Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Act Loan Act, W. Va. Code Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Anti-Predatory Lending Law/Effective Date Lending Law -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Coverex Xoan Effective October 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Covered Home Loan ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STANDARD & POOR'S HOME LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Anti-Predatory Lending Law/Effective Date Lending Law -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Home Lxxx Effective October 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.58-21A-1 et seq. Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Consumer Home Loan Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Consumer Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAAC Series 2007-Sp1 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateFlorida Fair Lending Act, Fla. placeStateFla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placecountry-regionGeorgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. placeStateGa. Code High Cost Home Loan 1, 2002 - Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placecountry-regionGeorgia as amended (Mar. Georgia Fair Lending Act, Ga. placeStateGa. Code High Cost Home Loan amended (Mar. 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateIllinois High Risk Home Loan Act, Ill. placeStateIll. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateKansas Consumer Credit Code, Kan. placeStateKan. Stat. Ann. High Loan to Value Consumer ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateKentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. High Cost Hoxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateMaine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateMassachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 Loxx 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNew Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNew Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNew York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNorth Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAAC Series 2006-Sp3 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan Loxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActLendixx Xxx, Ga. Code High Cost Home Loan Xx. Xxxx Xxxx Xxxx Xxxx Xxan Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loans Code Ann.ss.ss.24-9-1-1 et seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 16a-3-207) and; became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan Homx Xxxx 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Xxme Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------- Ohio H.B. 386 (codified in various sections Covered Loan of the Ohio Code), Ohio Rev. Code Ann. xs.ss.1349.25 et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Protection Act, High Cost Home Loan R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Loan Protection Act, High Cost Home Loan Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective January 1, 2007. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE LAW ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE LAW ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- EXHIBIT B PREPAYMENT CHARGE SCHEDULE [ON FILE WITH RFC]
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh7 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January February 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January February 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Ks2 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan Lxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActLendxxx Xxx, Ga. Code High Cost Home Loan Xx. Xxxx Xxxx Xxxx Xxxx Xoan Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September November 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan Hoxx Xxxx 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Xome Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Nc2 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.00-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan 7, 2003 - current) Ann.ss.ss.70-6A-1 et seq0X-0 xx xxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a308x) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seqStat.xx.xx.000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seqsex. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo2 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective Xxxxxtive for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Home Loan Practices Act, Ind. Indiana Code Ann.ss.ss.24-9-1-1 et seq. High Cost Home Loans Effective Xxnuary 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Xonsumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.sx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007 QS10 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 Loax et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000Xxx.xx.xx. Xxxx Xxxx Xxxx Xxxn 2003) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan Xxx.xx.xx. Xxxx Xxxx Xxxx Xxxn - curxxxx) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consxxxx 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. High Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Xxxe Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rz3 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. LoaN Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective LoaN Efxxxtive October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective High Cost Home LoaN Efxxxtive for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 xxx 000.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home LoaN seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss.24-9-1-1 et High Cost Home LoanS seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss.16a-1-101 et seq. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 became effective April Xxxxx 14, 1999; 16a-3-207) and; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. Stat.ss.ss. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.010 et seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Ohio H.B. 386 (codified in various sections of the Ohio Code), Ohio Covered Loan Rev. Code Ann.ss.ss.1349.25 et seq. Effective May 24, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Subsection 10 Mortgage Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Lawsss.ss. High Cost Home Loan 34-25.2-1 et seq. Xxxxxxxve December 31, 2006. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on ox xfter January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Tennessee Tennessee Home Loan Protection Act, Tenn. Code Ann.ss.ss.45-20-101 High Cost Home Loan et seq. Effecxxxe Januaxx 0, 0007. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Act Loan Act, W. Va. Code Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Covered Loan Effective Xxtober 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Covered Home Loan ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Home Loan Effective Ocxxxer 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.58-21A-1 et seq. Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Consumer Home Loan Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Consumer Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on ox xfter January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ EXHIBIT B PREPAYMENT CHARGE SCHEDULE [ON FILE WITH RFC]
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh5 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et Covered Loan seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et High Cost Home Loan Mar. 6, Xxxx 0000) Xxx.xx.xx.0-0X-0 xt seqsxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seqsxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 High Cost Loan U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. 815, High Risk Home Loan Stat. tit. 815,ss.ss.137/5 ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss. Indiana 24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Ann.ss.ss.16a-1-101 High Loan to Value ss.ss.16a-1-101 Consumer Loan et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 Xxxx.xx.xx.000.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 High Rate High Fee Mortgage et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Stat.ss.ss.598D.010 Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq00X-0 xx xeq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ -----------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qo4 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt xx seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed xx or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007000) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx axx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 et xt seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo3 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. LoaN Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective LoaN Efxxxtive October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective High Cost Home LoaN Efxxxtive for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 xxx 000.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home LoaN seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss.24-9-1-1 et High Cost Home LoanS seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss.16a-1-101 et seq. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 became effective April Xxxxx 14, 1999; 16a-3-207) and; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. Stat.ss.ss. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.010 et seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Ohio H.B. 386 (codified in various sections of the Ohio Code), Ohio Covered Loan Rev. Code Ann.ss.ss.1349.25 et seq. Effective May 24, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Subsection 10 Mortgage Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Lawsss.ss. High Cost Home Loan 34-25.2-1 et seq. Xxxxxxxve December 31, 2006. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on ox xfter January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Tennessee Tennessee Home Loan Protection Act, Tenn. Code Ann.ss.ss.45-20-101 High Cost Home Loan et seq. Effecxxxe Januaxx 0, 0007. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Act Loan Act, W. Va. Code Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Covered Loan Effective Xxtober 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Covered Home Loan ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Home Loan Effective Ocxxxer 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.58-21A-1 et seq. Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Consumer Home Loan Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Consumer Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on ox xfter January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qa4 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan 1, 2002 - Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan amended (Mar. 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Consumer ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. High Cost Homx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 Loax 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rs5 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Home Loan Practices Act, Ind. Indiana Code Ann.ss.ss.24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598X.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs3 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Xxxh Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Cxxx Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. High Cxxx Home Loan Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home Loan seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss.24-9-1-1 et Indiana seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1Ann.ss.ss.16a-1-101 et seq. High Xxan to Value Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 Sxxx.xx.xx. Xxxx Xxxx Xxxx Xxxn 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.000 xt seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs6 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective Xxxxctive for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Xxxsumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.xx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rz1 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 60, 0000) Xxx.xx.xx.0-0X-0 xt et seq. Effective October 1, 2002 2000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn cloxxx on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann.ss.ss.24-9-1-1 et seq. Effective for loans oxxxinated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-010x-0-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 X.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C,ss.ss.1 et seq. Effective November 7, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598X.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Xffective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2005-Emx2 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et Covered Loan seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ssXxx.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx.ss.ss.7-6A-1 et High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code Xxx.ss.ss.7-6A-1 et High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 High Cost Loan U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. 815, High Risk Home Loan Stat. tit. 815,ss.ss.137/5 ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Indiana Home Loan Practices Act, Ind. Code Xxx.xx.xx. Indiana 24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ------------------------------------- ------------------------------------------------------ ----------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Xxx.ss.ss.16a-1-101 High Loan to Value ss.ss.16a-1-101 Consumer Loan et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- High APR Consumer Loan (id.ss.16a-3xx.xx. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. Rev. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 High Rate High Fee Mortgage et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Nevada Assembly Bill Xxxx No. 284, Nev. Rev. Stat. Stat.ss.ss.598D.010 Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Xxxx.xx.xx. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs7 Trust)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateFlorida Fair Lending Act, Fla. placeStateFla. Stat. Ann.ss.ss. .High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placecountry-regionGeorgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. placeStateGa. Code High Cost Home Loan 1, 2002 - Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placecountry-regionGeorgia as amended (Mar. Georgia Fair Lending Act, Ga. placeStateGa. Code High Cost Home Loan amended (Mar. 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateIllinois High Risk Home Loan Act, Ill. placeStateIll. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateKansas Consumer Credit Code, Kan. placeStateKan. Stat. Ann. High Loan to Value Consumer ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateKentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateMaine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss.High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateMassachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNevada Assembly Bill No. 284, Nev. Rev. Stat. Stat.ss.ss.Home Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNew Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNew Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNew York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- placeStateNorth Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S5 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et Covered Loan seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. LoaN Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et High Cost Home Loan Mar. 6, XxxX 0000) Xxx.xx.xx.0-0X-0 xt seqsxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seqHigh Cost Home LoaN current) sxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 High Cost Loan U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. 815, High Risk Home Loan Stat. tit. 815,ss.ss.137/5 ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss. High Cost Home Loans 24-9-1-1 xx xxx. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Ann.ss.ss.16a-1-101 High Loan to Value ss.ss.16a-1-101 Consumer Loan et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 Xxxx.xx.xx.000.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 High Rate High Fee Mortgage et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Stat.ss.ss.598D.010 Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq00X-0 xx xeq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Ohio H.B. 386 (codified in various sections of the Ohio Covered Loan Code), Ohio Rev. Code Ann.ss.ss.1349.25
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qa3 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 Loax et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000Xxx.xx.xx. Xxxx Xxxx Xxxx Xxxn 2003) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan Xxx.xx.xx. Xxxx Xxxx Xxxx Xxxn - curxxxx) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Home Loan Practices Act, Ind. Code Ann. Indiana ss.xx.24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consxxxx 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. High Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Xxxe Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs17 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Hxxx Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, Xxxx Xxx.xx.xx. Xxxx Xxxx Xome Loax 0000) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan Gx. Xxxx Xxx.xx.xx. Xxxx Xxxx Xome Loax - xxxxxnt) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Valxx Xxxxxxer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Xxxx Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgaxx 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt et seq. Effective October 1, 2002 2000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closxx on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-016x-0-007) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 X.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-QA1Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 LoaX et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000Xxx.xx.xx. Xxxx Xxxx Xxxx Xxxn 2003) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan Xxx.xx.xx. Xxxx Xxxx Xxxx Xxxn - curxxxx) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loans ss.ss.24-9-1-1 et seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consxxxx 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. High Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Xxxe Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Ohio H.B. 386 (codified in various sections of the Covered Loan Ohio Code), Ohio Rev. Code Ann.ss.ss.1349.25
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh2 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective Xxxxctive for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January February 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Xxnsumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.xx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January February 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1Effective Xxxx 0, 20000000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Ks3 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Xxxh Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Cxxx Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. High Cxxx Home Loan Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home Loan seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss.24-9-1-1 et Indiana seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1Ann.ss.ss.16a-1-101 et seq. High Xxan to Value Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 Sxxx.xx.xx. Xxxx Xxxx Xxxx Xxxn 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.000 xt seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs6 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et Covered Loan seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et High Cost Home Loan Mar. 6, Xxxx 0000) Xxx.xx.xx.0-0X-0 xt seqxxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seqxxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 High Cost Loan U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. 815, High Risk Home Loan Stat. tit. 815,ss.ss.137/5 ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss. Indiana 24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Ann.ss.ss.16a-1-101 High Loan to Value ss.ss.16a-1-101 Consumer Loan et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 Xxxx.xx.xx.000.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 High Rate High Fee Mortgage et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Stat.ss.ss.598D.010 Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et 00X-0 xx seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ -----------------------------------
Appears in 1 contract
Samples: Loan Purchase Agreement (Home Equity Loan Trust 2007-Hsa3)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.00-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan 7, 2003 - current) Ann.ss.ss.70-6A-1 et seq0X-0 xx xxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Home Loan Practices Act, Ind. Code Ann. Indiana ss.ss.24-9-1-1 et seq. High Cost Xxme Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a300x) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seqStax.xx.xx.000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seqsxx. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007 QS9 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xxx. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 Lxxx ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 2400-1.1E 0.0X et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs1 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxx, Ga. Code High Cost Home Loan Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan Lxxx 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Hxxx Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 2400-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo1 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective Xxxective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Xonsumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.xx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1Effective Xxxx 0, 20000000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Equity Loan Purchase Agreement (Home Equity Loan Trust 2006-Hsa3)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.00-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan 7, 2003 - current) Ann.ss.ss.70-6A-1 et seq0X-0 xx xxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Home Loan Practices Act, Ind. Code Ann. Indiana ss.ss.24-9-1-1 et seq. High Cost Xxme Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seqStat.xx.xx.000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qo5 Trust)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. .High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActLenxxxx Xxx, Ga. Code High Cost Home Loan Mar. Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Valux ss.ss.16a-1-101 et seq. Consumer Loan (id.ssid. ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. .High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Xxme Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-S3 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et Covered Loan seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ssXxx.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx.ss.ss.7-6A-1 et High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code Xxx.ss.ss.7-6A-1 et High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 High Cost Loan U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. 815, High Risk Home Loan Stat. tit. 815,ss.ss.137/5 ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Indiana Home Loan Practices Act, Ind. Code Xxx.xx.xx. Indiana 24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Xxx.ss.ss.16a-1-101 High Loan to Value ss.ss.16a-1-101 Consumer Loan et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- High APR Consumer Loan (id.ss.16a-3xx.xx. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. Rev. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 High Rate High Fee Mortgage et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Nevada Assembly Bill Xxxx No. 284, Nev. Rev. Stat. Stat.ss.ss.598D.010 Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Xxxx.xx.xx. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ -----------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs8 Trust)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000Xxxx Xxx.xx.xx.Xxxx Xxxx Xxxx Xxxx 0003) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan Xxxx Xxx.xx.xx.Xxxx Xxxx Xxxx Xxxx - xurrent) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Ann.ss.ss.High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July August 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. High Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss.High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Stat.ss.ss.Hxxx Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective July Effective August 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S7 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective Xxxxctive for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Xxnsumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.xx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Emx2 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. 494.0078 High Cost Home Loan 494.0078 Homx Xxxx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Cxxx Xxx.xx.xx. Xxxx Xxxx Xxxx Loan Mar. 6, 00002000) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Xxxx Xxx.xx.xx. Xxxx Xxxx Xxxx Loan - xxxxxxx) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Xxxxxxxx 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Xxxx Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 Stat. ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 209 C.M.R.ss.ss. 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat.ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Efc2 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et Covered Loan seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Hixx Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xx. Xxxx Xxx.xx.xx.0-0X-0 xt xx Xxgh Cost Xxme Loan 2003) seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et High Cost Xxme Loan current) seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 High Cost Loan U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. 815, High Risk Home Loan Stat. tit. 815,ss.ss.137/5 ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss. Indiana 24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ------------------------------------- ------------------------------------------------------ ----------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Ann.ss.ss.16a-1-101 High Loan to xx Value ss.ss.16a-1-101 Consumer Loan et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Xx. Xxx. Xxxx Xxxx Xxxx Xxxx Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 High Rate High Fee Mortgage et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Stax.xx.ss.598D.010 Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------------------------------------------- ------------------------------------------------------ -----------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007 SA3 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxx, Ga. Code High Cost Home Loan Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks7 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 Ann.ss.ss.494.0078 et seq. Xxxh Cost Home LoaN Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. High Cxxx Home LoaN Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. High Cxxx Home LoaN Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home LoaN seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss.24-9-1-1 et High Cost Home XxanS seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1Ann.ss.ss.16a-1-101 et seq. High Xxan to Value Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; 16a-3-207) and; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 Sxxx.xx.xx. Xxxx Xxxx Xxxx Xxxn 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.000 xt seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Ohio H.B. 386 (codified in various sections of the Ohio Code), Ohio Covered Loan Rev. Code Ann.ss.ss.1349.25 et seq. Effective May 24, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Subsection 10 Mortgage Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Lawsss.ss. High Cost Home Loan 34-25.2-1 et seq. Effective December 31, 2006. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Tennessee Tennessee Home Loan Protection Act, Tenn. Code Ann.ss.ss.45-20-101 High Cost Home Loax et seq. Effective January 1, 2007. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Act Loan Act, W. Va. Code Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Coverex Xoan Effective October 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Covered Home Loan ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Home Lxxx Effective October 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.58-21A-1 et seq. Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Consumer Home Loan Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Consumer Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ EXHIBIT B PREPAYMENT CHARGE SCHEDULE [ON FILE WITH RFC]
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh4 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective Xxxective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective High Cost Home Loan Xxxective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 C.F.R.ss.ss.226.30 xxx 006.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home Loan seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss.24-9-1-1 et Indiana seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss.16a-1-101 et seq. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. Stat.ss.ss. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq000.000 xx xxq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.010 et seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Home Equity Loan Trust 2007-Hsa2)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. .High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActLendinx Xxx, Ga. Code High Cost Home Loan Mar. Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Home Loan Practices Act, Ind. Indiana Code Ann.ss.ss.24-9-1-1 et seq. High Cost Home Loans Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ssid. ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. .High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Xxme Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-Sa4 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.00-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan 7, 2003 - current) Ann.ss.ss.70-6A-1 et seq0X-0 xx xxx. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seqStat.xx.xx.000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rz2 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 LoaN et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.00-0X-0 xt seqxx xxq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code Ann.ss.ss. High Cost Home Loan 7, 2003 - current) Ann.ss.ss.70-6A-1 et seq0X-0 xx xxq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loans ss.ss.24-9-1-1 et seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seqxx xxx. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 00x-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seqXxx. Xxxx.xx.xx.000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss. High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss. Home Loan ss.ss.598D.000 598X.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Ohio H.B. 386 (codified in various sections of the Covered Loan Ohio Code), Ohio Rev. Code Ann.ss.ss.1349.25
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qa11 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed xx or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loans Code Ann.ss.ss.24-9-1-1 et seq. Effective January 1, 2000; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 16a-0-007) and; became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598X.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------Ohio H.B. 386 (codified in various sections Covered Loan of the Ohio Code), Ohio Rev. Code Ann. ss.ss.1349.25
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qa5 Trust)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn. High Cost Home Loan ss.ss. 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActLendixx Xxx, Ga. Code High Cost Home Loan Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C. ss. 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Valxx ss.ss.16a-1-101 et seq. Consumer Loan (id.ssid. ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee tit. 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R. High Cost Home Loan ss.ss. 32.00 et seq. xxx and 000 X.X.R.ss.ss.40.01 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Xome Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat.ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ssStat. ss.ss. 24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-SA1Trust)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. .High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActLexxxxx Xxx, Ga. Code High Cost Home Loan Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 00002003) Xxx.xx.xx.0Ann.ss.ss.7-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Valxx ss.ss.16a-1-101 et seq. Consumer Loan (id.ssid. ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. .High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Xome Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S2 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssXxx.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx.ss.ss.7-6A-1 et seq. High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7Xxx.ss.ss.7-6A-1 et seq. High Cost Home Loan Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639X.X.X.xx. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home Loan seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnXxx.ss.ss.16a-1-101 et seq. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ssxx.xx. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. Rev. Stat.ss.ss.High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill Xxxx No. 284, Nev. Rev. StatStat.ss.ss.598D.010 et seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-S6 Trust)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000Xxxx Xxx.xx.xx.Xxxx Xxxx Xxxx Xxxx 0003) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan Xxxx Xxx.xx.xx.Xxxx Xxxx Xxxx Xxxx - xurrent) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Ann.ss.ss.High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-0id.ss.16a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. High Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss.High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. C.M.R.ss.ss.32.00 et High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Stat.ss.ss.Hxxx Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S10 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective Xxxxxxive for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loans Code Ann.ss.ss.24-9-1-1 et seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Xxxsumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 16a-3-207) and; became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.sx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1Effective Juxx 0, 20000000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------- Ohio H.B. 386 (codified in various sections Covered Loan of the Ohio Code), Ohio Rev. Code Ann. ss.ss.1349.25
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qa2 Trust)
Codess. ss. .Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. 494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 0000Coxx Xxx.xx.xx.Xxxx Xxxx Xxxx Xxxx 0003) Xxx.xx.xx.07-0X-0 xt 6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan Xxxx Xxx.xx.xx.Xxxx Xxxx Xxxx Xxxx - xurrent) 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. Ann.ss.ss.High Loan to Value ss.ss.16a-1Consumer 16a-1-101 et seq. Consumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id.ss.16a-3id.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. High Xxxx Xxxx Xxxx Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A,ss.ss.High Rate High Fee 9-A,ss.ss.8Mortgage 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. 32.00 et High Cost Home Loan 32.00 et Loxx seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Stat.ss.ss.Hxxx Loan ss.ss.598D.000 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat.ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.High Cost Home Loan Stat.ss.ss.5858-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-Sa3 Trust)
Codess. ss. Covered Loan 26ss.26-1151.01 et seq. Covered Loan Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann.ss.ssAnn.ss.ss.494.0078 et seq. High Cost Home Loan 494.0078 et seq. LoaN Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. High Cost Home Loan Mar. 6, 0000) Xxx.xx.xx.0-0X-0 xt seq. Effective LoaN Efxxxtive October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective High Cost Home LoaN Efxxxtive for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639U.S.C.ss. High Cost Loan 1639, 12 C.F.R.ss.ss.226.32 and 226.34 xxx 000.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et High Risk Home LoaN seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. Code Ann.ss.ss.24-9-1-1 et High Cost Home LoanS seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss.16a-1-101 et seq. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Loan (id.ss. 16a-0-007) and; Sections 16a-1-301 and 16a-3-207 became effective April Xxxxx 14, 1999; 16a-3-207) and; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. Stat.ss.ss. High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq000.000 xx xxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. High Rate High Fee Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ssC.M.R.ss.ss.32.00 et seq. and 209 C.M.R. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 ss.ss.40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. StatStat.ss.ss.598D.010 et seq. Home Loan ss.ss.598D.000 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 Stat. High Cost Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. High Cost Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24High Cost Home Loan Stat.ss.ss.24-1.1E et seq. Xxxective Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- ---------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Ohio H.B. 386 (codified in various sections of the Ohio Code), Ohio Covered Loan Rev. Code Ann.ss.ss.1349.25 et seq. Effective May 24, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Subsection 10 Mortgage Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Lawsss.ss. High Cost Home Loan 34-25.2-1 et seq. Xxxxxxxve December 31, 2006. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on ox xfter January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Tennessee Tennessee Home Loan Protection Act, Tenn. Code Ann.ss.ss.45-20-101 High Cost Home Loan et seq. Effecxxxe Januaxx 0, 0007. -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Act Loan Act, W. Va. Code Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Covered Loan Effective Xxtober 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Covered Home Loan ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann.ss.ss.7-6A-1 et seq. Home Loan Effective Ocxxxer 1, 2002 - March 6, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.58-21A-1 et seq. Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Consumer Home Loan Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Consumer Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on ox xfter January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ EXHIBIT B PREPAYMENT CHARGE SCHEDULE
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh6 Trust)
Codess. ss. Covered Loan 26-1151.01 et seq. Effective Xxxxxtive for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 00002003) Xxx.xx.xx.0-0X-0 xt seqxx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann.ss.ss.7-6A-1 et seq. Effective for loans closex xn closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C.ss.1639, 12 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815,ss.ss.137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss.16a-1-101 et seq. Consumer Xxxsumer Loan (id.ss. 16a-016a-3-007207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id.ss.16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat.ss.ss.360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A,ss.ss.8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R.ss.ss. High Cost Home Loan 32.00 et seq. xxx 000 X.X.R.ss.ss.40.01 and 209 C.M.R.ss.sx.00.00 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss.598D.000 ss.ss.598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat.ss.ss. 24-1.1E et seq. Xxxective July 1Effective Jxxx 0, 20000000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs5 Trust)
