California irons out a TRID wrinkle to ‘dry funding’ compliance

Creditors using electronic delivery methods, such as email, must also comply with 1026.37(o)(3)(iii), which provides that the disclosures in 1026.37 may be provided to the consumer in electronic form, subject to compliance with the consumer consent and other applicable provisions of the E-Sign Act.

On September 14, 2015, the California Bureau of Real Estate (BRE) issued a Licensee Advisory regarding providing the Mortgage Loan Disclosure Statement (MLDS) in light of the new TRID rule and its upcoming implementation scheduled for October 3, 2015. The MLDS is a disclosure required under California Business & Professions Code Section 10240 from a [.]

TRID Compliance: Not Just About the Docs. One of the key components of TRID, and subsequently one of the most common triggers of TRID violations, is the rule’s guidance on the timing of Loan Estimate (LE) and Closing Disclosure (CD) delivery.

California irons out a TRID wrinkle to ‘dry funding’ compliance To address an unintended consequence of the TILA-RESPA integrated disclosures, California regulators are making it easier for lenders to prove compliance with rules limiting interest charges on mortgage closings that take more than one day.

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California Bureau of Real Estate (BRE) Issues TRID Guidance. The MLDS is a disclosure required under California Business & Professions Code Section 10240 from a mortgage broker to a borrower of the maximum costs and expenses associated with obtaining a loan. The MLDS must be provided within 3 days of the broker or agent receiving a borrower’s completed written loan application.

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California manacles out a TRID fold to ‘dry funding’ compliance May 15, 2017 RSS FEED No comments The California Department of Business Oversight has done it easier for debt lenders to infer correspondence with regulations that extent seductiveness charges on loan closings that take some-more than one day.

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