et seq. Effecxxxe Xxx 04, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. 27, 2003- July 5, 2004 -------------------------------- --------------------------------------------------------------------
Appears in 2 contracts
Samples: Pooling and Servicing Agreement (Cwalt Inc), Pooling and Servicing Agreement (Cwalt Inc)
et seq. Effecxxxe Xxx 04Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. Effective July 1284, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code AnnNev. Rev. Stat. Hoxx Xoan ss.ss. 37-23-10 598D.010 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. Effective October 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 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. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- 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. 00-1.1E et seq. Effective 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-Ks9 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- Consumer Credit Code (codified in various sections Oklahoma of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- South Carolina High Cost and Consumer Home Loans South Carolina Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia and Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- ---------------------------------------- ---------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 March 0, 2000) et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Nov. 27, 2003- 2003-July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------------ ----------------------------------------------------
Appears in 1 contract
et seq. Effecxxxe Xxx 04Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective July 1, 2000; 2001 and amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina from time to time ------------------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost and Consumer Home Loans ActPractices Act Mortgage Loan Mass. Gen. Laws ch. 183C, S.C. Code Annxx.xx. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard ------------------------------------------------------------------------------------------------------------ STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Predatory Lending ActLaw ------------------------------------------------------------------------------------------------------------ Effective November 7, Ga. Code Ann2004 ------------------------------------------------------------------------------------------------------------ Nevada Assembly Xxxx No. ss.ss284, Nev. Rev. Stat. 7-6A-1 Home Loan xx.xx. 598D.010 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. October 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 46:10B- 22 et seq. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 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. xx.xx. 24-1.1E et seq.
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Opt1)
et seq. Effecxxxe Xxx 04Effective May 00, 2002 -------------------------------- -------------------------------------------------------------------- 0002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- 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. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and West Virginia Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5Effectivx Xunx 0, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard ---------------------------- ---------------------------------------- -------------------------- STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/jurisdiction 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 Geoxxxa (Xxxseq. Effectivx Xctxxxx 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 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. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- --------------------------------------------------------------------2004
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks1 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------- ------------------------------------ -------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Oklahoma Title 14A). ) Mortgage Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ----------------------- ------------------------------------ -------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and West Virginia Servicer Act, W. Mortgage Loan Act Va. Code AnnXxx. ss.ssxx.xx. 31-17-1 et Loan seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ----------------------- ------------------------------------ -------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- ----------------------- ------------------------------------ -------------------- Category under -------------- Applicable ---------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Anti-Predatory ------------------ ------------------------------ -------------- Law/Effective Date -------------------------------- -------------------------------------------------------------------- Lending Law ------------------ ----------- ----------------------- ------------------------------------ -------------------- Georgia Fair Lending Act(Oct. 1, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code AnnCovered Loan - Mar. 6, 2003) Xxx. ss.ssxx.xx. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ----------------------- ------------------------------------ -------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------- ------------------------------------ -------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ----------------------- ------------------------------------ --------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-J2)
et seq. Effecxxxe Xxx 04Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. Effective July 1284, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Nev. Rev. Stat. Home Loans Act, S.C. Code Ann. Loan ss.ss. 37-23-10 598D.010 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. Effective Oxxxxxr 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 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. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of Xxxxxry 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. 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-Qa3 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code AnnXxx. ss.ssAct Loan xx.xx. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Applicable Anti- Law/Effective Date Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act(Oct. 1, Ga. 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code AnnXxx. ss.ssxx.xx. Covered Loan 2003) 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-27cb)
et seq. Effecxxxe Xxx 04Effective June 2, 2002 -------------------------------- -------------------------------------------------------------------- 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Credit Code (codified in various sections of Oklahoma Title 14A)Equity Protection, Colo. Covered Loan Stat. Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 375-233.5-10 101 ex xeq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effexxxve xxx Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans South Carolina taken closed on or after Jan. 1January 28, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, W. Va. Code Fla. Stat. Ann. ss.ss. 31-17-1 High Cost Xxxe Xxxx 494.0078 et seq. Effecxxxe June 5Effective October 2, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Faxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending ActMar. 6, Ga. Code 2003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxsxx. Effective October 1, 2002 - seq. Effective Oct. 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 sxx. Effective for loans closed on or after March 67, 2003) -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership Security and Equity Protection High Cost Loan Act of 20021994, N.J. 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.30 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-3-207) 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. 46:10B-22 360.100 et seq. Effectivx XxxEffective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. 27Rev. Stat. tit. High Rate High Fee 9-A, 2003- July 5ss.ss. 8-101 et seq. Mortgage Effective September 29, 2004 -------------------------------- --------------------------------------------------------------------1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S9 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code AnnXxx. ss.ssxx.xx. Act Loan 31-17-1 et seqET SEQ. Effecxxxe Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard STANDARD & Poor's POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss2003) xx.xx. 7-6A-1 et Geoxxxa (XxxET SEQ. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seqET SEQ. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------STANDARD & POOR'S HOME LOAN CATEGORIZATION ---------------------------------------------
Appears in 1 contract
et seq. Effecxxxe Effectivx Xxx 0424, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx ) Efxxxtixx xxr loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ssAct Loan ss.sx. 31-17-1 et seq. Effecxxxe June Effectivx Xxxe 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction --------------------------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- Category under Applicable Anti- Name of Anti-Predatory Lending Predatory Lending State/Jurisdiction Law/Effective Date -------------------------------- -------------------------------------------------------------------- Law ---------------------------------- ----------------------------------------------------- ----------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Xxxx 0000) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effexxxve Xxxxber 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act of Covered Home Loan 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. Effectixx Xxvember 27, 2003- 2003 - July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------ ----------------------------------------------------- ------------------------------ Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------- ----------------------------------------------------- -----------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-21cb)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. Act Loan 31-17-1 et seq. Effecxxxe Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered High Cost Loan Categorization ----------------------------------------------------------------------------------------------------- ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code AnnXxxx Xxx. ss.ssxx.xx. Xxxxxxx Xxxx 2003) 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2007-J1)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Oklahoma Subsection 10 Mortgage Title 14A). ) Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Act Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Xxan Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code AnnXx. ss.ss. 7-6A-1 et Geoxxxa (Xxxx Xxx. xx.xx. 0-0X-0 xx Xovered Xxxn 0000) seq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Covered Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oa16)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Oklahoma Title 14A). ) Mortgage Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and West Virginia Servicer Act, W. Mortgage Loan Act Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Lxxx Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- -------------------------------------------------------------------------------- Category under -------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Applicable ------------------ ------------------------------ ---------- Law/Effective Date -------------------------------- -------------------------------------------------------------------- Anti-Predatory ------------------ -------------- Lending Law ----------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Code Xx. Xxxx Xxxxxxx Xxxx - Xxx. 0, 0003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. November 27, 2003- 2003 - July 5, 2004 -------------------------------- ---------------------------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-7cb)
et seq. Effecxxxe Xxx 04Effective March 22, 2002 2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. Effective July 1284, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code AnnNev. Xxx. Stat. ss.ss. 37-23-10 Home Loan 598D.010 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. Effective October 1, 2004 2003 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Xxxx 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 Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. 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-S8 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx --------------------------------------------------------------------------------------------------------------------- Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and West Virginia Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date -------------------------------- -------------------------------------------------------------------- Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- 22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2005-38)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. for loanx xakxx xx or after January 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and West Virginia Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- 2000 -------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- -------------------------------------------------------------------------------- Category under -------------- Applicable ---------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Anti-Predatory ------------------ ------------------------------ -------------- Law/Effective Date -------------------------------- -------------------------------------------------------------------- Lending Law ------------------ ----------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Covered Loan - Mar. 6, 0000) Xxx. 1, 2002 - xx.xx. 0-0X-0 xt seq. Effective Oct. Octoxxx 1, 2002-0002 - March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ---------------------------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc2)
et seq. Effecxxxe Xxx 04Effective May 00, 2002 -------------------------------- -------------------------------------------------------------------- 0002 --------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code Ann. Act Loan ss.ss. 31-17-1 et seqsxx. Effecxxxe Effective June 50, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- 0002 -------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- ----------------------------------------------------------------------------------------------------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date -------------------------------- -------------------------------------------------------------------- Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Covered Loan 6, 2003) 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of Covered Home Loan 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2007-Oh1)
et seq. Effecxxxe Xxx 04Effective November 7, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2004 ------------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. xx.xx. Home Loan 598D.010 ET SEQ. Effective July October 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seqET SEQ. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ------------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 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 ------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------------- after April 1, 2003 ------------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. xx.xx. 24-1.1E ET SEQ.
Appears in 1 contract
Samples: Custodial Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He2)
et seq. Effecxxxe Xxx 04Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective July 1, 2000; 2001 and amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan High Cost and Consumer Home Loans ActMortgage Practices Act Loan Mass. Gen. Laws ch. 183C, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5Effective November 7, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Hxxx Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 598D.010 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. October 1, 2002-March 6, 2003 March 6, 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. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- 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. 00-1.1E et seq. 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 2004-Rz4 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- 2000 -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Oklahoma Title 14A). ) Mortgage Effective July 1, 2000; amended effective Jan. for lxxxs xxxxx on or after January 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and West Virginia Mortgage Loan Act Servicer Act, W. Va. Code Loan Ann. ss.ss. ss.ss 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- 0002 -------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction --------------------------------------------- Category under Applicable Name of Anti-Predatory Lending Anti-Predatory State/Jurisdiction Law/Effective Date -------------------------------- -------------------------------------------------------------------- Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1October 0, 2002-2000 - March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. 27Effective November 00, 2003- 0003 - July 5, 2004 -------------------------------- ----------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2007-Hyb1)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code Ann. Act Loan ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code AnnGx. ss.ssXxxx Xxx. xx.xx. Xxxxxxx Xxxn 2003) 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2007-8cb)
et seq. Effecxxxe Xxx 04Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. Effective July 1284, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Nev. Rev. Xxat. Home Loans Act, S.C. Code Ann. Loan ss.ss. 37-23-10 598D.010 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. Effective October 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 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. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- 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. 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-S9 Trust)
et seq. Effecxxxe Xxx 04, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Anti-Predatory Lending ActLaw -------------------------------------- ----------------------------------------------- ------------------------------- Effective March 22, Ga. Code Ann2001 and amended from time to time -------------------------------------- ----------------------------------------------- ------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.ss. 7-6A-1 et Geoxxxa (XxxHome Loan 598D.010 ex xxx. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------- ----------------------------------------------- ------------------------------- New Jersey New Jersey Home Ownership Security Act of High Cost Home Loan 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effecxxxx for loans closed on or after November 27, 2003- July 52003 -------------------------------------- ----------------------------------------------- ------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan 58-00X-0 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 High Cost Home Loan Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I LLC)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- Consumer Credit Code (codified in various sections Oklahoma of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- South Carolina High Cost and Consumer Home Loans South Carolina Act, S.C. Code AnnXxx. ss.ssxx.xx. 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code AnnXxx. ss.ssxx.xx. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- --------------------------------------------------------------------------------------------- Standard & Poor's Covered High-Cost Loan Categorization ----------------------------------------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code AnnXxx. ss.ssxx.xx. 7-6A-1 March 6, 2003) et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effectivx Xxx. Effective Nov. 27, 2003- 2003-July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------------ ----------------------------------------------------
Appears in 1 contract
et seq. Effecxxxe Xxx 04Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. Effective July 1284, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Nev. Rev. Stat. Home Loans Act, S.C. Code Ann. Loan ss.ss. 37-23-10 598D.010 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. Effectivx Xxxober 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effectivx xx of January 1, 2004; Revised as of February 26, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-1 High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------------------------------------------------------------------------------------------- Exhibit B-3 ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------- 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.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Residential Asset Securities Corp)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code AnnXxx. ss.ssxx.xx. Act Loan 31-17-1 et seqET SEQ. Effecxxxe Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard STANDARD & Poor's POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss2003) xx.xx. 7-6A-1 et Geoxxxa (XxxET SEQ. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- P-25 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seqET SEQ. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------STANDARD & POOR'S HOME LOAN CATEGORIZATION ---------------------------------------------
Appears in 1 contract
et seq. Effecxxxe Xxx 04, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Mortgage Lender, Broker and West Virginia Loan Act Mortgage Servicer Act, W. Va. Code AnnXxx. ss.ssxx.xx. Loan 31-17-1 et seqET SEQ. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard -------------------------------------------------------------------------------- STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- StatePOOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- -------------------------------------------------------------------------------- CATEGORY UNDER APPLICABLE NAME OF ANTI-PREDATORY LENDING ANTI-PREDATORY STATE/jurisdiction Name of Anti-Predatory Lending LawJURISDICTION LAW/Effective Date -------------------------------- -------------------------------------------------------------------- EFFECTIVE DATE LENDING LAW -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code AnnXxx. ss.ssxx.xx. 7-6A-1 et Geoxxxa (XxxET SEQ. E-6-4 -------------------------------------------------------------------------------- Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seqET SEQ. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ---------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He11)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- --------------------------------- ------------------------------------------- Consumer Credit Code (codified in various Oklahoma sections of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- --------------------------------- ------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. South Carolina 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- --------------------------------- ------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. West Virginia Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effectixx June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- --------------------------------- ------------------------------------------- ----------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------- ------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- --------------------------------- ------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. Georgia (Oct. 1, 2002 - ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 10, March 6, 2003) 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- New Jersey --------------------------------- ------------------------------------------- New Jersey Home Ownership Security Act of New Jersey 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective Nov. 27, 2003- 2003-July 5, 2004 -------------------------------- ----------------------------------------------------------------------------------------------------- -------------------------------------------
Appears in 1 contract
et seq. Effecxxxe Xxx 04Effective May 24, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37P-26 STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-23PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender2002 - Mar. 0, Broker and West Virginia Servicer ActXxxxxxx Xxxx Xxxxxxx Xxx, W. Va. Xx. Code AnnXxx. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss2003) xx.xx. 7-6A-1 et Geoxxxa (XxxET SEQ. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seqET SEQ. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
et seq. Effecxxxe Xxx 04Effective June 2, 2002 -------------------------------- -------------------------------------------------------------------- 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Credit Code (codified in various sections of Oklahoma Title 14A)Equity Protection, Colo. Covered Loan Stat. Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 375-233.5-10 101 et seq. Effexxxve xxx Effective for covered loans South Carolina taken offered or entered into on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender2003. Other provisions of the Act took effect on June 7, Broker and West Virginia Servicer 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, W. Va. Conn. Gen. Stat. ss.ss. 00x-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.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. 31-17-1 High Cost Home Loax 494.0078 et seq. Effecxxxe June 5Effective October 2, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActAxx, Ga. Code Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xar. 6, 2003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 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 closed on or after March 67, 2003) -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership Security and Equity Protection High Cost Loan Act of 20021994, N.J. 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-3-207) 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. 46:10B-22 360.100 et seq. Effectivx XxxEffective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. 27Rev. Stat. tit. High Rate High Fee 9-A, 2003- July 5ss.ss. 8-101 et seq. Mortgage Effective September 29, 2004 -------------------------------- --------------------------------------------------------------------1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks9 Trust)
et seq. Effecxxxe Xxx 04Xffective March 22, 2002 2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina Massachusetts Predatory Home Loan Practices Act High Cost and Consumer Home Loans ActMortgage Loan Mass. Gen. Laws ch. 183C, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5Xxxxxtive November 7, 2002 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending ActNevada Assembly Bill No. 284, Ga. Code AnnNev. Rev. Stat. ss.ss. 7-6A-1 Home Loax 598D.010 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. October 1, 2002-March 6, 2003 March 6, 2003) ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan 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 Cost Home High Cost Home Loan 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) ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks12 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina for xxxxx taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Broker and West Virginia Servicer Act, W. Va. Code Ann. Loan Act Loan ss.ss. 31-1700-1 et seq. Effecxxxe Effective June 50, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- 0002 --------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction --------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date -------------------------------- -------------------------------------------------------------------- Predatory Lending Law --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Covered Loan Mar. 6, 2003) ss.ss. 7-6A-1 0X-1 et Geoxxxa (Xxxseq. 1Effective Octobex 0, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. Effective Novxxxxx 27, 2003- 2003 - July 5, 2004 -------------------------------- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Residential Asset Mortgage Products Inc)
et seq. Effecxxxe Xxx 04, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Q-2 Standard & Poor's Covered High Cost Loan Categorization ----------------------------------------------------------------------------------------------------- ----------------------------------------------- -------------------------------------------------------------------------------- Category under -------------- Applicable ---------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Anti-Predatory ------------------ ------------------------------ -------------- Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending ActLaw ------------------ ----------- -------------------------------------------------------------------------------- Effective March 22, Ga. Code Ann2001 and amended from time to time -------------------------------------------------------------------------------- Nevada Assembly Bill No. ss.ss284, Nev. Rev. Home Loan Stat. 7-6A-1 xx.ss. 598D.010 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. October 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- 2000 -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. Effxxxxxe for loans closed on or after November 27, 2003- July 52003 -------------------------------------------------------------------------------- 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 0, 0004; 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 Loan High Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2006-3ar)
et seq. Effecxxxe Xxx 04Effective Jxxx 0, 2002 -------------------------------- -------------------------------------------------------------------- 2003 --------------------------- ------------------------------------- ---------------------------- --------------------------- ------------------------------------- ---------------------------- Colorado Consumer Credit Code (codified in various sections of Oklahoma Title 14A)Equity Protection, Colo. Covered Loan Stat. Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 375-233.5-10 101 et seq. Effexxxve Effxxxivx xxx covered loans South Carolina taken offered or entered into on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender2003. Other provisions of the Act took effect on June 7, Broker and West Virginia Servicer 2002 --------------------------- ------------------------------------- ---------------------------- --------------------------- ------------------------------------- ---------------------------- Connecticut Connecticut Abusive Home Loan High Cost Home Loan Lending Practices Act, W. Va. Code AnnConn. Gen. Stat. ss.ss. 31-17-1 36a-746 et seq. Effecxxxe June 5Effective October 1, 2001 --------------------------- ------------------------------------- ---------------------------- --------------------------- ------------------------------------- ---------------------------- District of Columbia Home Loan Protection Act, D.C. Code Covered Loan ss.ss. 26-1151.01 et seq. Effectixx xxr loans closed on or after January 28, 2003 --------------------------- ------------------------------------- ---------------------------- --------------------------- ------------------------------------- ---------------------------- Florida Fair Lending Act, Fla. Stat. Ann. High Cost Home Loan ss.sx. 494.0078 et seq. Effective Xxxxber 2, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- --------------------------- ------------------------------------- ---------------------------- --------------------------- ------------------------------------- ---------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Hoxx Xxxx Xxx. 0, 0000) Xxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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 Geoxxxa (Xxxseq. Effectxxx fxx xxans closed on or after March 7, 2003 --------------------------- ------------------------------------- ---------------------------- --------------------------- ------------------------------------- ---------------------------- HOEPA Section 32 Home Ownership and Equity High Cost Loan Protection 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 --------------------------- ------------------------------------- ---------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW ---------------------------- ------------------------------------ ---------------------------- Illinois High Risk Home Loan Act, Ill. High Risk Home Loan Comp. Stat. tit. 815, ss.ss. 137/5 et seq. Effectixx Xanuary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Indiana Indiana Home Loan Practices Act, High Cost Home Loans Ind. Code Ann. ss.ss. 24-9-1-1 et seq. Effxxxivx Xxxuary 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Kansas Consumer Credit Code, Kan. Stat. High Loan to Value Ann. ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 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 High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective Oct. June 24, 2003 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Maine Truth in Lending, Me. Rev. Stat. High Rate High Fee tit. 9-A, ss.ss. 8-101 et seq. Mortgage Xxxxxtive 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 xx seq. 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. Home Loan Stat. ss.ss. 598D.010 et seq. Effectixx Xxtober 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- New Mexico Home Loan Protection Act, N.M. High Cost Home Loan Rev. Stat. ss.ss. 58-21A-1 et seq. Effectixx xx 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 Loan High Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effectixx Xuly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ------------------------------------ ---------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S12 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Oklahoma Title 14A). ) Mortgage Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------ South Carolina South Carolina High Cost and High Cost Home Consumer Home Loans Act, S.C. Code Loan Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and West Virginia Servicer Act, W. Mortgage Loan Act Va. Code Ann. ss.ss. 31-17-1 Loan et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------ Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction --------------------------------------------- Category under Applicable Anti- Name of Anti-Predatory Lending Predatory Lending State/Jurisdiction Law/Effective Date -------------------------------- -------------------------------------------------------------------- Law ------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Code Xx. Xxxx Xxxxxxx Xxxx - Xxx. 0, 0003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. 27, 2003- November 27,2003 - July 5, 2004 -------------------------------- --------------------------------------------------------------------Standard & Poor's Home Loan Categorization ------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-4cb)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and West Virginia Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- -------------------------------------------------------------------------------- Category under -------------- Applicable ---------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Anti-Predatory ------------------ ------------------------------ -------------- Law/Effective Date -------------------------------- -------------------------------------------------------------------- Lending Law ------------------ ----------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Code Gx. Xxxx Xxxxxxx Xxxx - Xxx. 0, 0003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:00X 02 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ----------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2007-Oa4)
et seq. Effecxxxe Xxx 04STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW -------------------------------------- ----------------------------------------------- ------------------------------- Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2001 and amended from time to time -------------------------------------- ----------------------------------------------- ------------------------------- Nevada Assembly Bill No. Effective July 1284, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code AnnNev. Rev. Stat. ss.ss. 37-23-10 et seqHome Loan 598D.010 XX XEQ. Effexxxve xxx loans South Carolina taken on or after Jan. Effective October 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------- ----------------------------------------------- ------------------------------- New Jersey New Jersey Home Ownership Security Act of High Cost Home Loan 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seqET SEQ. Effectivx Xxx. Effecxxxx for loans closed on or after November 27, 2003- July 52003 -------------------------------------- ----------------------------------------------- ------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan 50-00X-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 High Cost Home Loan Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E ET seq.
Appears in 1 contract
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code Subsection 10 (codified in various Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker Mortgage Loan Act and West Virginia Servicer Act, W. Va. Loan Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Standard & Poor's Covered High Cost Loan Categorization ----------------------------------------------------------------------------------------------------- ----------------------------------------------- -------------------------------------------------------------------------------- Category under Applicable State/jurisdiction Jurisdiction Name of Anti-Predatory Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Covered Loan Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 Effectixx et seq. Effectivx Xxx. November 27, 2003- 2003 - July 5, 2004 -------------------------------- ---------------------------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization -----------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-17t1)
et seq. Effecxxxe Xxx 04Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. Effective July 1284, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Nev. Rev. Stat. Home Loans Act, S.C. Code Ann. Loan ss.ss. 37-23-10 598D.010 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. Effexxxxx October 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 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. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Exxxxxive 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. 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-Qs18 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Oklahoma Subsection 10 Mortgage Title 14A). ) Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Act Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Xxan Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under Applicable State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- ------------------------- ------------------ ------------------------------------------------- Anti-Predatory Lending Law -------------------------- ----------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Code Xx. Xxxx Covered Loan - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-45t1)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and West Virginia Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date -------------------------------- -------------------------------------------------------------------- Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- 22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2005-47cb)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Oklahoma Title 14A). ) Mortgage Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx -------------------------------------------------------------------------------- Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and West Virginia Mortgage Loan Act Servicer Act, W. Va. Code AnnXxx. ss.ssLoan xx.xx. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction --------------------------------------------- -------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date -------------------------------- -------------------------------------------------------------------- Predatory Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code AnnXxx. ss.ssxx.xx. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ----------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2007-Oa3)
et seq. Effecxxxe Xxx 04M-E-7-4 STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------------- Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2001 and amended from time to time ------------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nex. Rev. Stat.ss.ss. Xxxx Xxxn 598D.010 ET SEQ. Effective July October 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. StatStat.ss.ss.46:10B-22 ET SEQ. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ------------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Xxxx Xxxx Home Loan 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 Cost Home High Cost Home Loan Loans, N.C. Gen. Stat.ss.ss.24-1.1E ET SEQ.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He6)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Oklahoma Title 14A). ) Mortgage Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and High Cost Home Consumer Home Loans Act, S.C. Code AnnLoan Xxx. ss.ss. Sections 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and West Virginia Servicer Act, W. Mortgage Loan Va. Code AnnXxx. ss.ss. Sections 31-17-1 et Act Loan seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard -------------------------------------------------------------------------------- STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction POOR'S COVERED LOAN CATEGORIZATION -------------------------------------------------------------------------------- Category under Applicable Anti- Name of Anti-Predatory Lending Predatory State/Jurisdiction Law/Effective Date -------------------------------- -------------------------------------------------------------------- Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code AnnCovered Loan Mar. 6, 2003) Xxx. ss.ss. Sections 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. 27, 2003- July 5, 2004 -------------------------------- --------------------------------------------------------------------.
Appears in 1 contract
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Oklahoma Title 14A). ) Mortgage Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and High Cost Home Loan Consumer Home Loans Act, S.C. Code Ann. ss.ss. §§ 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and West Virginia Mortgage Loan Act Servicer Act, W. Va. Code Ann. ss.ss. §§ Loan 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code Ann. ss.ss. §§ 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ---------------------------------------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. §§ 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 Loan Consumer Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF NOTES Notes
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (MortgageIT Trust 2004-1)
et seq. Effecxxxe Xxx 04Effective March 22, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A)2001 and amended from time to time ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Nevada Assembly Bill No. Effective July 1284, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Nev. Rev. Stat. Home Loans Act, S.C. Code Ann. Loan ss.ss. 37-23-10 598D.010 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. Effective Xxxxxer 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- 22 et seq. Effectivx Xxx. Effective for loans closed on or after November 27, 2003- July 52003 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective xx xx January 1, 2004; Revised as of February 26, 2004 -------------------------------- ------------------------------------------------------------------------------------------------ ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New York N.Y. Banking Law Article 6-1 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.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs12 Trust)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code AnnXxx. ss.ssXX.XX. 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code AnnXxx. ss.ssXX.XX. Act Loan 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard ---------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction POOR'S COVERED LOAN CATEGORIZATION ---------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. Georgia Fair Lending Act, Ga. Code AnnXxx. ss.ssXX.XX. Covered Loan 6, 2003) 7-6A-1 et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. 27, 2003- July 5, 2004 -------------------------------- --------------------------------------------------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Sp1 Trust)
et seq. Effecxxxe Xxx 04, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code AnnXxx. ss.ssxx.xx. Act Loan 31-17-1 et seqET SEQ. Effecxxxe Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- StatePOOR'S COVERED LOAN CATEGORIZATION ---------------------------------- ------------------------------------------------- -------------------------------- STATE/jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending LawPREDATORY LENDING LAW/Effective Date EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxx. Oct. 1, 2002 - seqMar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Covered Loan 2003) 7-6A-1 ET SEQ. -- --- Effective Oct. October 1, 2002-2002 - March 6, 2003 March 6, 2003) ---------------------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seqET SEQ. Effectivx Xxx. -- --- Effective November 27, 2003- 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------STANDARD & POOR'S HOME LOAN CATEGORIZATION
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Arm Trust 2005-3)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- Consumer Credit Code (codified in various sections Oklahoma of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- South Carolina High Cost and Consumer Home Loans South Carolina Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx Effecxxxe for loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 March 0, 2000) et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------------------- ---------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective Nov. 27, 2003- 2003-July 5, 2004 -------------------------------- -----------------------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------- ---------------------------------------- ------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------- ---------------------------------------- ------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and West Virginia Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- ----------------------------------------------------------------------------------------------- Category under State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Applicable Anti- Law/Effective Date -------------------------------- -------------------------------------------------------------------- Predatory Lending Law ---------------------------- ---------------------------------------- ------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 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. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- -------------------------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2007-3t1)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------------------------ Consumer Credit Code (codified in various sections Oklahoma of Oklahoma Title 14A). Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------------------------ South Carolina High Cost and Consumer Home Loans South Carolina Act, S.C. Code AnnXxx. ss.ssxx.xx. 37-23-10 et seq. Effexxxve xxx Effective for loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code AnnXxx. ss.ssxx.xx. 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------ State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code AnnXxx. ss.ssxx.xx. 7-6A-1 March 6, 2003) et Geoxxxa (Xxx. 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effectivx Xxx. Effective Nov. 27, 2003- 2003-July 5, 2004 -------------------------------- -------------------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------ Standard & Poor's Home Loan Categorization ------------------------------------------------------------------------------------------------ State/jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date applicable anti-predatory lending law ------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effecxxxe June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Category under Applicable ------------------ ------------------------------------------------- ------------------------- Anti-Predatory Lending Law -------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Gx. Xxxx Xxxxxxx Loan 2003) Ann. ss.ss. 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effectivx Xxx. Effective November 27, 2003- 2003 - July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------ ----------------------------------------------------- ------------------------------ Standard & Poor's Home Loan Categorization ------------------------------------------ -----------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2006-Oa5)
et seq. Effecxxxe Xxx 04Xxxxctive May 24, 2002 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx loans South Carolina taken on Effective for loaxx taxxx xn or after Jan. January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. Act Loan 31-17-1 et seq. Effecxxxe Effective June 5, 2002 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/jurisdiction Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- Georgia (Oct. 1, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et Geoxxxa (Covered Loxx 0000 - Xxx. 0, 0000) 0-0X-0 xx xeq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectivx Xxx. Effective November 27, 2003- 0003 - July 5, 2004 -------------------------------- ----------------------------------------------------------------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns ARM Trust 2004-12)
et seq. Effecxxxe Xxx 04Effective May 24, 2002 -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Oklahoma Title 14A). ) Effective July 1, 2000; amended effective Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effexxxve xxx for loans South Carolina taken on or after Jan. January 1, 2004 -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and West Virginia Servicer Act, W. Va. Code AnnXxx. ss.ssxx.xx. Act Loan 31-17-1 et seq. Effecxxxe Effective June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard ---------------------------------------------------------------------------------------------------------------------------------- STANDARD & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- State/jurisdiction Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable ------------------ -------------------------------------------- ------------------------- Date -------------------------------- -------------------------------------------------------------------- Anti-Predatory Lending Law ---- -------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Georgia Fair Lending Act(Oct. 1, Ga. 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code AnnXxx. ss.ssxx.xx. Covered Loan 2003) 7-6A-1 et Geoxxxa (Xxxseq. Effective October 1, 2002 - seq. Effective Oct. 1, 2002-March 6, 2003 March 6, 2003) -------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effectivx Xxx. Effective December 27, 2003- 2003 - July 5, 2004 -------------------------------- ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004-Ar4)
