{"component": "clause", "props": {"groups": [{"size": 42, "snippet": "No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (\u201cHOEPA\u201d), (b) a \u201chigh cost\u201d mortgage loan, \u201ccovered\u201d mortgage loan, \u201chigh risk home\u201d mortgage loan, or \u201cpredatory\u201d mortgage loan or any other comparable term, no matter how defined under any federal, state or local law, (c) subject to any comparable federal, state or local statutes or regulations, or any other statute or regulation providing for heightened regulatory scrutiny or assignee liability to holders of such mortgage loans, or (d) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the current Standard & Poor\u2019s LEVELS\u00ae Glossary Revised, Appendix E).", "samples": [{"hash": "82VX6D1QRJm", "uri": "/contracts/82VX6D1QRJm#hoepa", "label": "Master Repurchase Agreement (loanDepot, Inc.)", "score": 37.3449691992, "published": true}, {"hash": "7LXPm0ZoLqM", "uri": "/contracts/7LXPm0ZoLqM#hoepa", "label": "Master Repurchase Agreement (Home Point Capital Inc.)", "score": 33.6078033447, "published": true}, {"hash": "1GyopVoj15j", "uri": "/contracts/1GyopVoj15j#hoepa", "label": "Master Repurchase Agreement (Home Point Capital Inc.)", "score": 33.2053375244, "published": true}], "snippet_links": [{"key": "mortgage-loan-is", "type": "definition", "offset": [3, 19]}, {"key": "the-provisions-of-the", "type": "clause", "offset": [35, 56]}, {"key": "act-of-1994", "type": "definition", "offset": [93, 104]}, {"key": "as-amended", "type": "definition", "offset": [105, 115]}, {"key": "high-risk", "type": "clause", "offset": [186, 195]}, {"key": "comparable-term", "type": "definition", "offset": [259, 274]}, {"key": "local-law", "type": "definition", "offset": [326, 335]}, {"key": "holders-of", "type": "clause", "offset": [521, 531]}, {"key": "mortgage-loans", "type": "definition", "offset": [537, 551]}, {"key": "high-cost-loan", "type": "definition", "offset": [562, 576]}, {"key": "covered-loan", "type": "definition", "offset": [580, 592]}, {"key": "the-current", "type": "clause", "offset": [638, 649]}, {"key": "standard-poor", "type": "definition", "offset": [650, 665]}, {"key": "appendix-e", "type": "definition", "offset": [694, 704]}], "hash": "b998b41af3b3e0dd1cb9fda86a61d35d", "id": 1}, {"size": 29, "snippet": "No Mortgage Loan is a Covered Loan or a High Cost Loan (in the case of state or local law, as determined without giving effect to any available federal preemption, other than any exemptions specifically provided for in the relevant state or local law);", "samples": [{"hash": "lDtM96w3qT0", "uri": "/contracts/lDtM96w3qT0#hoepa", "label": "Pooling and Servicing Agreement (Citigroup Mortgage Loan Trust 2006-Wfhe2)", "score": 21.0, "published": true}, {"hash": "kgvhh7kd9LT", "uri": "/contracts/kgvhh7kd9LT#hoepa", "label": "Pooling and Servicing Agreement (Citigroup Mortgage Loan Trust 2006-Wf1)", "score": 21.0, "published": true}, {"hash": "iPNV2GEchrt", "uri": "/contracts/iPNV2GEchrt#hoepa", "label": "Sale and Servicing Agreement (Bear Stearns ARM Trust 2007-2)", "score": 21.0, "published": true}], "snippet_links": [{"key": "mortgage-loan-is", "type": "definition", "offset": [3, 19]}, {"key": "covered-loan", "type": "definition", "offset": [22, 34]}, {"key": "high-cost-loan", "type": "definition", "offset": [40, 54]}, {"key": "in-the-case", "type": "clause", "offset": [56, 67]}, {"key": "local-law", "type": "definition", "offset": [80, 89]}, {"key": "federal-preemption", "type": "definition", "offset": [144, 162]}, {"key": "relevant-state", "type": "definition", "offset": [223, 237]}], "hash": "25e5356e3b77db0df559fd2700ece0b3", "id": 2}, {"size": 20, "snippet": "No Mortgage Loan is a High Cost Loan or Covered Loan;", "samples": [{"hash": "lfThxzBPDwX", "uri": "/contracts/lfThxzBPDwX#hoepa", "label": "Sale and Servicing Agreement (Bear Stearns ARM Trust 2006-1)", "score": 21.0, "published": true}, {"hash": "lPGoFaJxYbT", "uri": "/contracts/lPGoFaJxYbT#hoepa", "label": "Master Seller\u2019s Warranties and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2007-7ax)", "score": 21.0, "published": true}, {"hash": "l7I1RBvZPIK", "uri": "/contracts/l7I1RBvZPIK#hoepa", "label": "Seller's Warranties and Servicing Agreement (J.P. 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Section 226.32(a)(1)(i) and (ii)), (b) a \u201chigh cost\u201d mortgage loan, \u201ccovered\u201d mortgage loan (excluding home loans defined as \u201ccovered home loans\u201d in the New Jersey Home Ownership Security Act of 2002 that were originated between November 26, 2003 and July 7, 2004), \u201chigh risk home\u201d mortgage loan, or \u201cpredatory\u201d mortgage loan or any other comparable term, no matter how defined under any federal, state or local law, (c) subject to any comparable federal, state or local statutes or regulations, or any other statute or regulation providing for heightened regulatory scrutiny, assignee liability to holders of such mortgage loans or additional legal liability for mortgage loans having high interest rates, points and/or fees, or (d) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the current Standard & Poor\u2019s LEVELS\u00ae Glossary Revised, Appendix E);", "samples": [{"hash": "fXFEWlqaO9o", "uri": 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{"key": "by-the-borrower", "type": "clause", "offset": [197, 212]}, {"key": "applicable-thresholds", "type": "definition", "offset": [281, 302]}, {"key": "regulation-z", "type": "definition", "offset": [338, 350]}, {"key": "covered-home-loans", "type": "definition", "offset": [488, 506]}, {"key": "new-jersey", "type": "clause", "offset": [515, 525]}, {"key": "act-of-2002", "type": "definition", "offset": [550, 561]}, {"key": "high-risk", "type": "clause", "offset": [629, 638]}, {"key": "comparable-term", "type": "definition", "offset": [702, 717]}, {"key": "local-law", "type": "definition", "offset": [769, 778]}, {"key": "holders-of", "type": "clause", "offset": [962, 972]}, {"key": "mortgage-loans", "type": "definition", "offset": [978, 992]}, {"key": "liability-for", "type": "clause", "offset": [1013, 1026]}, {"key": "interest-rates", "type": "clause", "offset": [1054, 1068]}, {"key": "high-cost-loan", "type": "definition", "offset": [1099, 1113]}, {"key": "covered-loan", "type": 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Seller\u2019s Warranties and Servicing Agreement (GSR Mortgage Loan Trust 2006-9f)", "score": 21.0, "published": true}, {"hash": "dGCVsjSX7PM", "uri": "/contracts/dGCVsjSX7PM#hoepa", "label": "Master Seller\u2019s Warranties and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2007-14ar)", "score": 21.0, "published": true}], "snippet_links": [{"key": "mortgage-loan-is", "type": "definition", "offset": [3, 19]}, {"key": "predatory-mortgage-loan", "type": "definition", "offset": [36, 59]}, {"key": "act-of-1994", "type": "definition", "offset": [121, 132]}, {"key": "as-amended", "type": "definition", "offset": [134, 144]}, {"key": "local-law", "type": "definition", "offset": [170, 179]}, {"key": "without-limitation", "type": "clause", "offset": [191, 209]}, {"key": "city-of-new-york", "type": "definition", "offset": [233, 249]}, {"key": "relating-to", "type": "definition", "offset": [258, 269]}, {"key": "predatory-lending", "type": "clause", "offset": [270, 287]}, {"key": "city-council", "type": "definition", "offset": [311, 323]}, {"key": "on-november", "type": "clause", "offset": [324, 335]}, {"key": "from-time-to-time", "type": "clause", "offset": [357, 374]}], "hash": "1358ab2e306e7904ac31ade296474f83", "id": 6}, {"size": 10, "snippet": "No Mortgage Loan is covered by the Home Ownership and Equity Protection Act of 1994.", "samples": [{"hash": "kuRACXUnTyc", "uri": "/contracts/kuRACXUnTyc#hoepa", "label": "Assignment, Assumption and Recognition Agreement (GSAA Home Equity Trust 2006-11)", "score": 18.0, "published": true}, {"hash": "kXmVTXi6xri", "uri": "/contracts/kXmVTXi6xri#hoepa", "label": "Assignment, Assumption and Recognition Agreement (GSAA Home Equity Trust 2006-11)", "score": 18.0, "published": true}, {"hash": "agbwu3DdDI3", "uri": "/contracts/agbwu3DdDI3#hoepa", "label": "Assignment, Assumption and Recognition Agreement (GSAA Home Equity Trust 2006-11)", "score": 18.0, "published": true}], "snippet_links": [{"key": "mortgage-loan-is", "type": "definition", "offset": [3, 19]}, {"key": "covered-by", "type": "definition", "offset": [20, 30]}, {"key": "act-of-1994", "type": "definition", "offset": [72, 83]}], "hash": "b059a8734b3a0d1fc048a72a72363303", "id": 7}, {"size": 6, "snippet": "No Mortgage Loan is a Predatory Mortgage Loan or Covered Loan, as applicable, and no Mortgage Loan originated on or after October 1, 2002 through March 6, 2003 is governed by the Georgia Fair Lending Act. No Mortgage Loan is covered by the Home Ownership and Equity Protection Act of 1994 and no Mortgage Loan is in violation of any comparable state or local law. No predatory or deceptive lending practices, including, without limitation, the extension of credit without regard to the ability of the Mortgagor to repay and the extension of credit which has no apparent benefit to the Mortgagor, were employed in the origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of \u2587\u2587\u2587\u2587\u2587\u2587 Mae\u2019s Selling Guide. This representation and warranty is a Deemed Material Breach Representation;", "samples": [{"hash": "jvyVAPCn1lB", "uri": "/contracts/jvyVAPCn1lB#hoepa", "label": "Mortgage Loan Flow Purchase, Sale & Servicing Agreement (GSR Mortgage Loan Trust 2007-3f)", "score": 21.0, "published": true}, {"hash": "iXRfkyT0W8b", "uri": "/contracts/iXRfkyT0W8b#hoepa", "label": "Mortgage Loan Flow Purchase, Sale & Servicing Agreement (GSR Mortgage Loan Trust 2006-8f)", "score": 21.0, "published": true}, {"hash": "eaC0Qg1EI08", "uri": "/contracts/eaC0Qg1EI08#hoepa", "label": "Mortgage Loan Flow Purchase, Sale & Servicing Agreement (GSR Mortgage Loan Trust 2007-Ar2)", "score": 21.0, "published": true}], "snippet_links": [{"key": "mortgage-loan-is", "type": "definition", "offset": [3, 19]}, {"key": "predatory-mortgage-loan", "type": "definition", "offset": [22, 45]}, {"key": "covered-loan", "type": "definition", "offset": [49, 61]}, {"key": "october-1", "type": "definition", "offset": [122, 131]}, {"key": "georgia-fair-lending-act", "type": "clause", "offset": [179, 203]}, {"key": "covered-by", "type": "definition", "offset": [225, 235]}, {"key": "act-of-1994", "type": "definition", "offset": [277, 288]}, {"key": "in-violation", "type": "definition", "offset": [313, 325]}, {"key": "local-law", "type": "definition", "offset": [353, 362]}, {"key": "lending-practices", "type": "definition", "offset": [390, 407]}, {"key": "without-limitation", "type": "clause", "offset": [420, 438]}, {"key": "extension-of-credit", "type": "definition", "offset": [444, 463]}, {"key": "to-repay", "type": "clause", "offset": [511, 519]}, {"key": "benefit-to-the-mortgagor", "type": "clause", "offset": [570, 594]}, {"key": "the-mortgage-loan", "type": "definition", "offset": [632, 649]}, {"key": "each-mortgage-loan", "type": "definition", "offset": [651, 669]}, {"key": "compliance-with-the", "type": "clause", "offset": [676, 695]}, {"key": "eligibility-for", "type": "clause", "offset": [719, 734]}, {"key": "purchase-requirements", "type": "definition", "offset": [735, 756]}, {"key": "selling-guide", "type": "definition", "offset": [773, 786]}, {"key": "representation-and-warranty", "type": "definition", "offset": [793, 820]}, {"key": "deemed-material-breach-representation", "type": "definition", "offset": [826, 863]}], "hash": "49e827cafec654113eb39ffe946728dd", "id": 8}, {"size": 6, "snippet": "No Mortgage Loan is classified as a \u201chigh cost\u201d mortgage loan under Section 32 of the Home Ownership and Equity Protection Act of 1994, as amended, and no Mortgage Loan is considered a \u201chigh cost\u201d mortgage loan under any applicable federal, state or local laws.", "samples": [{"hash": "5WhaPBHp7pI", "uri": "/contracts/5WhaPBHp7pI#hoepa", "label": "Assignment, Assumption and Recognition Agreement (GSR Mortgage Loan Trust 2006-Ar1)", "score": 21.0, "published": true}, {"hash": "g0RcSUjfsft", "uri": "/contracts/g0RcSUjfsft#hoepa", "label": "Assignment, Assumption and Recognition Agreement (GSR Mortgage Loan Trust 2006-Oa1)", "score": 19.0, "published": true}, {"hash": "fuCBlcM5PYs", "uri": "/contracts/fuCBlcM5PYs#hoepa", "label": "Assignment, Assumption and Recognition Agreement (GSR 2006-Ar2)", "score": 19.0, "published": true}], "snippet_links": [{"key": "mortgage-loan-is", "type": "definition", "offset": [3, 19]}, {"key": "high-cost", "type": "clause", "offset": [37, 46]}, {"key": "act-of-1994", "type": "definition", "offset": [123, 134]}, {"key": "as-amended", "type": "definition", "offset": [136, 146]}, {"key": "local-laws", "type": "definition", "offset": [250, 260]}], "hash": "75636dcd0e07053b3a53d5cdb0b75259", "id": 9}, {"size": 6, "snippet": "No Mortgage Loan is a Predatory Mortgage Loan or Covered Loan, as applicable, and no Mortgage Loan originated on or after October 1, 2002 through March 6, 2003 a \u201chigh cost home loan\u201d as defined in the Georgia Fair Lending Act. No Mortgage Loan is covered by the Home Ownership and Equity Protection Act of 1994 and no Mortgage Loan is in violation of any comparable state or local law;", "samples": [{"hash": "fyQSyIHjOAe", "uri": "/contracts/fyQSyIHjOAe#hoepa", "label": "Mortgage Loan Flow Purchase, Sale & Servicing Agreement (GSR 2006-5f)", "score": 19.0, "published": true}, {"hash": "e9PVT6XgTrp", "uri": "/contracts/e9PVT6XgTrp#hoepa", "label": "Mortgage Loan Flow Purchase, Sale & Servicing Agreement (GSR Mortgage Loan Trust 2006-1f)", "score": 19.0, "published": true}, {"hash": "bXWUzKc6Jxc", "uri": "/contracts/bXWUzKc6Jxc#hoepa", "label": "Mortgage Loan Flow Purchase, Sale & Servicing Agreement (GSR 2006-Ar2)", "score": 19.0, "published": true}], "snippet_links": [{"key": "mortgage-loan-is", "type": "definition", "offset": [3, 19]}, {"key": "predatory-mortgage-loan", "type": "definition", "offset": [22, 45]}, {"key": "covered-loan", "type": "definition", "offset": [49, 61]}, {"key": "october-1", "type": "definition", "offset": [122, 131]}, {"key": "high-cost", "type": "clause", "offset": [163, 172]}, {"key": "home-loan", "type": "definition", "offset": [173, 182]}, {"key": "georgia-fair-lending-act", "type": "clause", "offset": [202, 226]}, {"key": "covered-by", "type": "definition", "offset": [248, 258]}, {"key": "act-of-1994", "type": "definition", "offset": [300, 311]}, {"key": "in-violation", "type": "definition", "offset": [336, 348]}, {"key": "local-law", "type": "definition", "offset": [376, 385]}], "hash": "212698d5add3000c2ef02229e20ed72c", "id": 10}], "next_curs": "Ck4SSGoVc35sYXdpbnNpZGVyY29udHJhY3RzcioLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2Ig5ob2VwYSMwMDAwMDAwYQyiAQJlbhgAIAA=", "clause": {"size": 207, "parents": [["representations-and-warranties-regarding-individual-mortgage-loans", "Representations and Warranties Regarding Individual Mortgage Loans"], ["representations-and-warranties-as-to-individual-mortgage-loans", "Representations and Warranties as to Individual Mortgage Loans"], ["representations-and-warranties-of-the-assignor", "Representations and Warranties of the Assignor"], ["intention-of-the-parties-and-interpretation", "Intention of the Parties and Interpretation"], ["indemnification", "Indemnification"]], "title": "HOEPA", "children": [], "id": "hoepa", "related": [["predatory-lending-regulations-high-cost-loans", "Predatory Lending Regulations; High Cost Loans", "Predatory Lending Regulations; High Cost Loans"], ["fico-scores", "FICO Scores", "FICO Scores"], ["predatory-lending-regulations", "Predatory Lending Regulations", "Predatory Lending Regulations"], ["georgia-fair-lending-act", "Georgia Fair Lending Act", "Georgia Fair Lending Act"], ["ltv", "LTV", "LTV"]], "related_snippets": [], "updated": "2026-05-10T05:39:37+00:00", "also_ask": [], "drafting_tip": null, "explanation": "The HOEPA clause refers to provisions mandated by the Home Ownership and Equity Protection Act, which are designed to provide additional consumer protections for certain high-cost mortgage loans. This clause requires lenders to disclose specific information about loan terms, imposes restrictions on certain loan features such as balloon payments or prepayment penalties, and mandates counseling for borrowers. Its core practical function is to protect consumers from predatory lending practices by ensuring transparency and limiting abusive loan terms in high-cost home loans."}, "json": true, "cursor": ""}}