et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 18 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ahl3 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ahl1 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ahl2 Trust)
et seq. Effective May 24June 2, 2002 2003 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan 2003. Other provisions of the Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective took effect on June 57, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name District of AntiColumbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-Predatory 1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Category under Applicable Anti-Predatory Lending Law/Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective Date Law October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxx, Ga. Code Covered Loan Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Oct. 1, 2002 - Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 67, 20032003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 58-21A-1 137/5 et seq. Effective as of January 1, 2004; Revised as of February 262004 (prior to this date, 2004 regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions 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 Limitations on 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 LoansLoan Act, N.C. Gen. Ky. Rev. Stat. ss.ss. 00-1.1E 360.100 et seq. Effective for loans taken on or after January 1June 24, 2004 2003 ---------------------------- ---------------------------------------- ---------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 11 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2005 EMX4 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ahl3 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ahl1 Trust)
et seq. Effective May 24June 2, 2002 2003 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan 2003. Other provisions of the Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective took effect on June 57, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00x-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name District of AntiColumbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-Predatory 1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Category under Applicable Anti-Predatory Lending Law/Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective Date Law October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActAxx, Ga. Code Covered Loan Mar. Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Oct. 1, 2002 - Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 67, 20032003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 58-21A-1 137/5 et seq. Effective as of January 1, 2004; Revised as of February 262004 (prior to this date, 2004 regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions 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 Limitations on 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 LoansLoan Act, N.C. Gen. Ky. Rev. Stat. ss.ss. 00-1.1E 360.100 et seq. Effective for loans taken on or after January 1June 24, 2004 2003 ---------------------------- ---------------------------------------- ---------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 7 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ahl2 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qs16 Trust), Assignment and Assumption Agreement (RASC Series 2006-Emx1 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seqsxx. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsex. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsex. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 5 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2006-Ks1 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qs12 Trust), Assignment and Assumption Agreement (RAMP Series 2006-Nc3 Trust)
et seq. Effective May 24June 2, 2002 2003 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et xxq. Effective for covered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan 2003. Other provisions of the Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective took effect on June 57, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name District of AntiColumbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-Predatory 1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Category under Applicable Anti-Predatory Lending Law/Act, Fla. Stat. Ann. ss.ss. High Cost Hxxx Lxxx 494.0078 et seq. Effective Date Law October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxxxxxx Xxx, Ga. Code Covered Xx. Xxxx Xxxx Xxxx Xome Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsex. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Oct. 1, 2002 - Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 67, 20032003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seqsex. Effective for loans closed on or after November 27March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 58-21A-1 137/5 et seq. Effective as of January 1, 2004; Revised as of February 262004 (prior to this date, 2004 regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Valxx ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and Limitations on 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 LoansLoan Act, N.C. Gen. Ky. Rev. Stat. ss.ss. 00-1.1E 360.100 et seq. Effective for loans taken on or after January 1June 24, 2004 2003 ---------------------------- ---------------------------------------- ---------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 5 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2006-Ks1 Trust), Assignment and Assumption Agreement (RFMSI Series 2005-S9 Trust), Assignment and Assumption Agreement (RALI Series 2005-Q03 Trust)
et seq. Effective May 24June 0, 2002 0003 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effectxxx fxx xxvered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan 2003. Other provisions of the Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective took effect on June 57, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name District of AntiColumbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-Predatory 1151.01 et sxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Category under Applicable Anti-Predatory Lending Law/Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0008 xx xxq. Effective Date Law October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. High Cost Homx Xxxx Xxx. 0, 0000) Xxx. ss.ss. 7-6A-1 et seq. Effective Xxtoxxx 0, 2002 - March 6, 20032003 ---------------------------- ---------------------------------------- -------------------------- 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 October 1, 2002 - xxr xxxxx closed on or after March 67, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey HOEPA Section 32 Home Ownership Security and Equity Protection High Cost Loan Act Covered of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective Oxxxxxr 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan of 2002Act, N.J. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective Januxxx 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-0-101 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. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002Maine Truth in Lending, N.J. Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 46:10B-22 8-101 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------Mortgage
Appears in 4 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks12 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qo5 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qs15 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- 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. Xxfective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxfective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 4 contracts
Samples: Loan Purchase Agreement (Home Loan Trust 2006-Hi2), Home Loan Purchase Agreement (Home Loan Trust 2006-Hi1), Assignment and Assumption Agreement (RALI Series 2006-Qa2 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Protection Act, High Cost Home Loan R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Xxx.xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Loan Protection Act, High Cost Home Loan Tenn. Code Xxx.ss.ss.00-00-000 et seq. Effective January 1, 2007 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Xxx.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Xxx.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Xxx.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatXxxx.xx.xx. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Xxx.xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 3 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs4 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qs5 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qs1 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Rhode Island Rhode Island Home Loan Protection High Cost Home Loan Act, R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Tennessee Tennessee Home Loan Protection High Cost Home Loan Act, Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective January 1, 2007. ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan W. Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------------------------------------------------------------------------- ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- StateSTATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-Predatory Lending Law/Effective Date Law PREDATORY LENDING LAW ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------- --------------------------------------- ---------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ------------------------- --------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 00:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------------------------------------------------------------------------- ------------------------ ---------------------------------------- ---------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-Predatory Lending Law/Effective Date Law PREDATORY LENDING LAW ------------------------ ---------------------------------------- ---------------------------- ------------------------ ---------------------------------------- -------------------------- ---------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActAxx, Ga. Code Home Loan Mar. Xx. Xxxx Xxxx Xxxx - Xxx. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------ ---------------------------------------- ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW ----------------------- ----------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ----------------------- ----------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ----------------------- ----------------------------------------- ---------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ----------------------- ----------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ----------------------- ----------------------------------------- ---------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssStat.ss.ss. 00-1.1E 0.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ----------------------- ----------------------------------------- ---------------------------- ----------------------- ----------------------------------------- ---------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 00-03-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------- ----------------------------------------- ----------------------------
Appears in 3 contracts
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S11 Trust), Assignment and Assumption Agreement (RFMSI Series 2007-S2 Trust), Assignment and Assumption Agreement (RFMSI Series 2007-Sa2 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Protection Act, High Cost Home Loan R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Xxxective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Loan Protection Act, High Cost Home Loan Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective January 1, 2000 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxxective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- EXHIBIT B (PREPAYMENT CHARGE SCHEDULE)
Appears in 3 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qo1 Trust), Assignment and Assumption Agreement (RALI Series 2006-Qo10 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qo2 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code AnnXxx. ss.ssxx.xx. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ssxx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssxx.xx. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 3 contracts
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Efc1 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qa12 Trust), Home Loan Purchase Agreement (Home Loan Trust 2005-Hi2)
et seq. Effective Effexxxve May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- 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. Effective for loans taken on or after January Xxxuary 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Act Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- 2000 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- 2000 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Efxxxxxxx Xxly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January Xxxuary 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- ---------------------------------
Appears in 3 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs9 Trust), Assignment and Assumption Agreement (RALI Series 2006-Qs7 Trust), Assignment and Assumption Agreement (RASC Series 2006-Emx8 Trust)
et seq. Effective May 2400, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5Effectivx Xunx 0, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1Xxtoxxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1Xxtoxxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January xx Xanuary 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 3 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks12 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qo4 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qs15 Trust)
et seq. Effective May 2400, 2002 0002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- --------------------------- EXHIBIT B-4 Effectivx xor xxxxs taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5Xxne 0, 2002 0002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER LAW/Effective Date Law EFFECTIVE DATE APPLICABLE ANTI- 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 seq. Effective October 1Xxxobxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1Xxxobxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- EXHIBIT B-5 ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January xx Xxnuary 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -----------------------------------------------------
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2006-Emx9 Trust), Assignment and Assumption Agreement (RASC Series 2006-Emx8 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken closed on or after January 128, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer 2003 ------------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, W. Fla. Stat. Xxx. xx.xx. 494.0078 High Cost Home Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seqET SEQ. Effective June 5October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED HIGH COST LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State----------------------------------------------- ------------------------------------------------------------------------------------------------------------------ STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Xxx. xx.xx. High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - as amended Georgia Fair Lending Act, Ga. Code Xxx. xx.xx. High Cost Home Loan (Mar. 67, 20032003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seqET SEQ. Effective for loans closed on or after November 27March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico ------------------------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan 1994, 15 U.S.C. ss. 1639, 12 C.F.R. xx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ------------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. Stat. tit. High Risk Home Loan Stat815, xx.xx. ss.ss. 58-21A-1 et seq137/5 ET SEQ. Effective as of January 1, 2004; Revised as of February 262004 (prior to this date, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer regulations under Residential Mortgage License Act effective from May 14, 2001) ------------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loans, N.C. Gen. StatLoan xx.xx. ss.ss. 0024-1.1E et seq9-1-1 ET SEQ. Effective for loans taken originated on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------2005. ------------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Xxx. xx.xx. High Loan to Value Consumer 16a-1-101 ET SEQ. Loan (ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (ID. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 ------------------------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan Rev. Stat. xx.xx. 360.100 ET SEQ. Effective June 24, 2003 ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, xx.xx. High Rate High Fee Mortgage 8-101 ET SEQ.
Appears in 2 contracts
Samples: Loan Purchase Agreement (Bear Stearns Arm Trust, Mortgage-Backed Notes, Series 2005-2), Loan Purchase Agreement (Bear Stearns Arm Trust, Mortgage-Backed Notes, Series 2005-2)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Xxx.xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Xxx.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Xxx.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Xxx.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatXxxx.xx.xx. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Xxx.xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- EXHIBIT B (PREPAYMENT CHARGE SCHEDULE)
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo5 Trust), Assignment and Assumption Agreement (RALI Series 2006-Qa4 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Protection Act, High Cost Home Loan R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Loan Protection Act, High Cost Home Loan Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective January 1, 0007. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- StateSTATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI-Predatory Lending LawPREDATORY LENDING LAW/Effective Date Law EFFECTIVE DATE LAW ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 2000 - 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 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------- ---------------------------------------- -------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI-Predatory Lending LawPREDATORY LENDING LAW/Effective Date Law EFFECTIVE DATE LAW ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 2000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Xffective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- EXHIBIT B (PREPAYMENT CHARGE SCHEDULE) ON FILE WITH RFC
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qh1 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qh1 Trust)
et seq. Effective Effexxxve May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- 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. Effective for loans taken on or after January Xxxuary 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Act Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- 2000 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- 2000 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Efxxxxxxx Xxly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January Xxxuary 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- --------------------------------- EXHIBIT C LIST OF MORTGAGE LOANS WITH ORIGINAL TERM TO MATURITY OF 360 MONTHS AND AN ORIGINAL AMORTIZATION TERM OF 480 MONTHS [SEE ATTACHMENT OR ON FILE WITH THE DEPOSITOR]
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2006-Ks8 Trust), Assignment and Assumption Agreement (RASC Series 2006-Ks6 Trust)
et seq. Effective May 24March 22, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage various sections of Title 14A) Effective for loans taken on or after January 1Loan Mass. Gen. Laws ch. 183C, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 12004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) AnnNev. Xxv. Stat. ss.ss. 7-6A-1 Home Loan 598D.010 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seqxxx. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. High Cost Hxxx Xoan 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 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Consumer Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------sxx.
Appears in 2 contracts
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac7), Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He10)
et seq. Effective May 24June 2, 2002 2003 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Equity Protection, Colo. Covered Loan Stat. Xxx. xx.xx. 5-3.5-101 et seq. Effective for covered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan 2003. Other provisions of the Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective took effect on June 57, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. xx.xx. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name District of AntiColumbia Home Loan Protection Act, D.C. Code xx.xx. Covered Loan 26-Predatory 1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Category under Applicable Anti-Predatory Lending Law/Act, Fla. Stat. Xxx. xx.xx. High Cost Home Loan 494.0078 et seq. Effective Date Law October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 0000 - Georgia Fair Lending ActXxxxxxx Xxxx Xxxxxxx Xxx, Ga. Xx. Code Covered High Cost Home Loan Mar. 6, 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Oct. 1, 2002 - Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 67, 20032003 - current) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. xx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Risk Home Loan Stat. ss.sstit. 58-21A-1 815, xx.xx. 137/5 et seq. Effective as of January 1, 2004; Revised as of February 262004 (prior to this date, 2004 regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions Kansas Consumer Credit Code, Kan. Stat. Xxx. High Loan to Value xx.xx. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and Limitations on 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 LoansLoan Act, N.C. Gen. Ky. Rev. Stat. ss.ssxx.xx. 00-1.1E 360.100 et seq. Effective for loans taken on or after January 1June 24, 2004 2003 ---------------------------- ---------------------------------------- ---------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, xx.xx. 8-101 et seq. Mortgage
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Efc1 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qa12 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. Act Loan 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED HIGH COST LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Anti-Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxxxxxx Xxx, Ga. Code Xx. Xxxx Xxx. xx.xx. Covered Loan Xxan 0000 - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seqsex. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Anti-Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxxxxxx Xxx, Ga. Code Xx. Xxxx Xxx. xx.xx. Home Loan Loxx 2000 - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seqsex. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. EXHIBIT O CERTIFICATE GUARANTY INSURANCE POLICY ENDORSEMENT Attached to and forming Effective for loans taken on or after January 1Date of Endorsement: part of Policy No. AB0824BE November 30, 2004 ---------------------------- ---------------------------------------- --------------------------issued to: Wells Fargo Bank, Natixxxx Association, as Trustee for the Holders of the Nomura Asset Acceptance Corporation, Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2004-AP3, Class A-4, A-5A and Class A-6 For all purposes of this Policy, the following terms shall have the following meanings:
Appears in 2 contracts
Samples: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004 - AP3), Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004 - AP3)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-S3 Trust), Assignment and Assumption Agreement (RAMP Series 2006-Nc2 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Xxx. Act Loan Va. Code Ann. ss.ssxx.xx. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD --------------------------------------------------------------------------------------------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable ------------------ -------------------------------------------- ------------------------- Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- ---- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD --------------------------------------------------------------------------------------------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable ------------------ -------------------------------------------- ------------------------- Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- ---- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. Home Loan Stat. ss.ssxx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssxx.xx. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] SWAP CONTRACT ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [FORM OF] SWAP CONTRACT ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ____________________________, as Trustee _____________________________ _____________________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 2 contracts
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc10), Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc10)
et seq. Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and West Virginia Mortgage Loan Act Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Loax Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ----------------------------------------------------------------------------------------------------------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's High Covered Loan Categorization -------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Xx. Xxxx Xxx. xx.xx. 0-0X-0 Xxxxxed Loan Mar. 6, 20030003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Covered Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 2 contracts
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc7), Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc7)
et seq. Effective May 24June 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma 2003 --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Equity Protection, Colo. Stat. Ann. Covered Loxx ss.ss. 5-3.5-101 et sex. Effective for covered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender2003. Other provisions of the Act took effect on June 7, Broker and Servicer 2002 --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Act, W. Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Act Protection Act, D.C. Covered Loan Va. Code ss.ss. 26-1151.01 et sxx. Effective for loans closed on or after January 28, 2003 --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 31-17-1 Hixx Coxx Xxme Loan 494.0078 et seq. Effective June 5October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Georgia Fair Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Xigh Cosx Xomx Xxxn 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia as amended Georgia Fair Lending Act, Ga. Code Ann. ss.ss. High Cost Xxme Xxxx (Mar. 7, 2003 7-6A-1 et seq. - current) Effective for loans closed on or after March 7, 2003 --------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan 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. ss.ss. High Xxxn xx Xalue Consumer 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; --------------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 --------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Lxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxan Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 --------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, ss.ss. High Rate High Xxx Mortgage 8-101 et seq. Effective September 29, 1995 and as amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 et High Xxxx Home Loan 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. Rxx. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seqsex. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan 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 Consumer Cost Home High Cost Home Loan Cost Home --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------.
Appears in 2 contracts
Samples: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004 - AP3), Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004 - AP3)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Ann.ss.ss. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003Xxx.xx.xx. Xxxxxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003Xxx.xx.xx. Xxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Nc1 Trust), Assignment and Assumption Agreement (RAMP Series 2006-Rz3 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Protection Act, High Cost Home Loan R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Xxxective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Loan Protection Act, High Cost Home Loan Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective January 1, 2000 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxxective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs11 Trust), Assignment and Assumption Agreement (RALI Series 2007-Qs2 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- Effective July 1, 2000; amended effective January 1, 2004 South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Xxx. Sections Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Category under Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ------------------ ------------------ --------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. Sections 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Category under Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ------------------ ------------------ --------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------0000
Appears in 2 contracts
Samples: Asset Purchase Agreement (Origen Manufactured Housing Contract Trust 2004-B), Asset Purchase Agreement (Origen Residential Securities, Inc.)
et seq. Effective May 24Max 00, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5Effectixx Juxx 0, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Effectivx Xctxxxx 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Effectivx Xctxxxx 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of ax xx January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks8 Trust), Loan Purchase Agreement (RFMSII Series 2005-Hsa1 Trust)
et seq. Effective May 24Junx 0, 2002 2003 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effecxxxe xxx xovered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan 2003. Other provisions of the Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective took effect on June 57, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name District of AntiColumbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-Predatory 1151.01 et xxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Category under Applicable Anti-Predatory Lending Law/Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 xx xeq. Effective Date Law October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. High Cost Hoxx Xxxx Xxx. 0, 0000) Xxx. ss.ss. 7-6A-1 et seq. Effectivx Xctxxxx 1, 2002 - March 6, 20032003 ---------------------------- ---------------------------------------- -------------------------- 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 October 1, 2002 - Effectivx xor xxxxs closed on or after March 67, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey HOEPA Section 32 Home Ownership Security and Equity Protection High Cost Loan Act Covered of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective Xxxxxer 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan of 2002Act, N.J. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective Janxxxx 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. 16x-0-101 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. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002Maine Truth in Lending, N.J. Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 46:10B-22 8-101 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------Mortgage
Appears in 2 contracts
Samples: Loan Purchase Agreement (RFMSII Series 2005-Hsa1 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ks8 Trust)
et seq. Effective May 24Xxx 04, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June Effecxxxe Xxxx 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of xx xf January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RAMP Series 2005-Rz4 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qa10 Trust)
et seq. Effective Effecxxxe May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- 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. Effective for loans taken on or after January Jxxxary 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Act Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effxxxxxx Xxxy 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January Jxxxary 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- ---------------------------------
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs8 Trust), Assignment and Assumption Agreement (RALI Series 2006 QS6 Trust)
et seq. Effective May 2420, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans xxxns taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ West Virginia West Virginia Residential Mortgage Lender, Broker West Virginia Mortgage Lender, Broker Loan Act and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 50, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State------------------------------------- ------------------------------------------------------ ------------------------------------ STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1Octobex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ------------------------------------ STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State------------------------------------- ------------------------------------------------------ ------------------------------------ STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1Octobex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seqxxx. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------- ------------------------------------------------------ ------------------------------------ ------------------------------------- ------------------------------------------------------ ------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Consumer Home Loan Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans xxxns taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------------------------------------------- ------------------------------------------------------ ------------------------------------ EXHIBIT B LIST OF MORTGAGE LOANS WITH ORIGINAL TERM TO MATURITY OF 360 MONTHS AND AN ORIGINAL AMORTIZATION TERM OF 480 MONTHS [SEE ATTACHMENT] EXHIBIT C PREPAYMENT CHARGE SCHEDULE [SEE ATTACHMENT]
Appears in 2 contracts
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rz5 Trust), Assignment and Assumption Agreement (RAMP Series 2007-Rz1 Trust)
et seq. Effective May 24March 22, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage various sections of Title 14A) Effective for loans taken on or after January 1Loan Practices Act Mass. Gen. Laws ch. 183C, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Annxx.xx. ss.ss. 31-17-1 et seq. Effective June 5November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ssxx.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 Consumer High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssxx.xx. 0024-1.1E et seq. Effective for loans taken on or after January July 1, 2004 ---------------------------- ---------------------------------------- --------------------------2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------
Appears in 2 contracts
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2005-34cb), Pooling and Servicing Agreement (Alternative Loan Trust 2005-34cb)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- 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. Effective for loans taken on or after ox xfter January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Act Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6Marcx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6Marcx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after ox xfter January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- --------------------------------- EXHIBIT B LIST OF MORTGAGE LOANS WITH ORIGINAL TERM TO MATURITY OF 360 MONTHS AND AN ORIGINAL AMORTIZATION TERM OF 480 MONTHS [SEE ATTACHMENT]
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rz4 Trust)
et seq. Effective May 2400, 2002 0002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5Xxne 0, 2002 0002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1Xxxobxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1Xxxobxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January xx Xxnuary 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rz1 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date 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 seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 00:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -----------------------------------------------------
Appears in 1 contract
Samples: Loan Purchase Agreement (Home Equity Loan Trust 2006-Hsa5)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- 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 for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Xxx. Act Loan Va. Code Ann. ss.ssxx.xx. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction --------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD --------------------------------------------------------------------------------------------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. Home Loan Stat. ss.ssxx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssxx.xx. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -----------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rs4 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD --------------------------------------------------------------------------------------------------------------------- O-4 Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Effective June 5, 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under Applicable -------------- State/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 seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD --------------------------------------------------------------------------------------------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -----------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Law/Effective for Date Anti-Predatory Lending Law ------------------ ------------------------------------------------- -------------------------- Effective July 1, 2000; amended effective January 1, 2004 South Carolina South Carolina High Cost and Consumer Home Loans High Cost Home Loan Act, S.C. Code Ann. Sections 37-23-10 et seq. Effective xxx loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage LenderLxxxxx, Broker Xxxxxx Xxxx Xxxxxxxx Xxxxxxxx and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. Sections Loan Act Loan 31-17-1 et 0 xt seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- ------------------ ------------------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ssSections Covered Xxxx Xxx. 70, 0000) 0-6A-1 0X-1 et seqsex. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002Axx xx 0000, Xxxxxxx Xxxx Xxxx N.J. Rev. Stat. ss.ss. Sections 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- ------------------ ------------------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ssSections Home Loxx Xxx. 70, 0000) 0-6A-1 et 0X-0 xt seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Anti-Predatory Lending Law ------------------ ------------------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------2003
Appears in 1 contract
Samples: Asset Purchase Agreement (Origen Residential Securities, Inc.)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Q-3 ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Gx. Xxxx Xxxxxxx Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, -- --- 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ----------------------------------------------------- ------------------------------ Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization ------------------------------------------ ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, Gx. Xxxx Xxx. xx.xx. 0-0X-0 Xxxx Xxan 2003) Ann. ss.ss. 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. -- --- Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Rev.Stat. ss.ss. Home Loan 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ----------------------------------------------------- ------------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. [RESERVED] [RESERVED] EXHIBIT T [RESERVED] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- General Servicing Considerations --------------------- ---------------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in 1122(d)(1)(i) accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. 1122(d)(1)(ii) --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. 1122(d)(1)(iv) --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an obligor or to 1122(d)(2)(ii) an investor are made only by authorized personnel. W-2
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2007-1t1)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Protection Act, High Cost Home Loan R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Xxx.xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Loan Protection Act, High Cost Home Loan Tenn. Code Xxx.ss.ss.00-00-000 et seq. Effective January 1, 2007 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Xxx.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Xxx.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Xxx.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatXxxx.xx.xx. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Xxx.xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- EXHIBIT B (PREPAYMENT CHARGE SCHEDULE) (On File with RFC)
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qo3 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Loan Lender, Broker Broker, and Servicer Act, W. Loan VA. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------------- ----------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ------------------------- -------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law/Effective Date Law ------------------------- -------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Covered Loan Mar. 2000-(Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - 2002-March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- 2003. New Jersey New Jersey Home Ownership Security Act of Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - 2003-July 5, 2004 ------------------------- -------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law/Effective Date Law ------------------------- -------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. Oct 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. Home Loan 2002-Mar. 6, 2003 7-6A-1 et seq. Effective October 1, 2002 - 2002-March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- 26 2004. North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Consumer Home Loan Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------------------------------- -------------------------------------------- ----------------------------
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (GMACM Mortgage Pass-Through Certificates, Series 2004-J6)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Mortgage Effective July 1, 2000; amended effective 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Mortgage Loan Act Servicer Act, W. Va.Code Ann.ss.ss.Loan Act Loan Va. Code Ann. ss.ss. 3100-1700-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Lending Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan - Mar. 6, 2003) Ann. ss.ss. 7Code Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ssStat.ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Lending Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan - Mar. 6, 2003) Ann. ss.ss. 7Code Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Home Loan Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ssStat.ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Rev. Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan High Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E 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.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ----------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-Sa4 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Xxx. Sections Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Category under Applicable State/Jurisdiction Date Anti-Predatory Lending Law ---------------------------- ---------------------------------------- ------------------------------- ------------------------------------------------ -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. Sections 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- Fremont 2005-A Mortgage Loan Purchase Agreement STANDARD & POOR'S HOME COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Category under Applicable State/Jurisdiction Date Anti-Predatory Lending Law ---------------------------- ---------------------------------------- ------------------------------- --------------------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------0000
Appears in 1 contract
Samples: Loan Purchase Agreement (Fremont Mortgage Securities Corp)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code AnnXxx. ss.ssxx.xx. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------------------------------------------------------------------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 46:10B- 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------------------------------------------------------------------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ssxx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssxx.xx. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------------------------------------------------------------------------------------------ EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] SWAP CONTRACT ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [FORM OF] SWAP CONTRACT ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile __________________, as Trustee _______________ _______________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc11)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Xxx. xx.xx. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED HIGH COST LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Anti-Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 10, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Covered Loan 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Anti-Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ----------------------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004-Ar3)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Xxx. §§ Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ------------------------------------------------- -------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ------------------------------------------------- -------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00§§ 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 Consumer Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Greenpoint Mortgage Securities LLC)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Xxx. §§ Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ------------------------------------------------- -------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ------------------------------------------------- -------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor’s Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00§§ 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 Consumer Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P Xxxxx’x ------------------------------- ----------------- --------------------- Class I-A-1 AAA Aaa ------------------------------- ----------------- --------------------- Class I-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class I-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-X AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-1 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa1 ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa2 ------------------------------- ----------------- --------------------- Class I-B-5 A Aa3 ------------------------------- ----------------- --------------------- Class I-B-6 A- A1 ------------------------------- ----------------- --------------------- Class I-B-7 BBB+ A3 ------------------------------- ----------------- --------------------- Class I-B-8 BBB Baa2 ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa3 ------------------------------- ----------------- --------------------- Class II-B-1 AA Aaa ------------------------------- ----------------- --------------------- Class II-B-2 A Aa3 ------------------------------- ----------------- --------------------- Class II-B-3 BBB A3 ------------------------------- ----------------- --------------------- Class II-B-4 BBB- Baa1 ------------------------------- ----------------- --------------------- The Class I-XP-1, Class I-XP-2, Class II-XP, Class R, Class R-X, Class I-B-IO, Class II-B-5 and Class II-B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Xxxxx Fargo Bank, National Association, a banking corporation, having a place of business at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of December 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement”; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Xxxxxxx Mortgage Funding Trust 2006-AR5, Mortgage Pass-Through Certificates, Series 2006-AR5, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only:
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Mortgage Funding Trust 2006-Ar5)
et seq. Effective May 24June 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma 2003 --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Equity Protection, Colo. Stat. Xxx. xx.xx. Covered Loan 5-3.5-101 et seq. Effective for covered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender2003. Other provisions of the Act took effect on June 7, Broker and Servicer 2002 --------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Act, W. Loan Act Loan Va. Code AnnConn. Gen. Stat. ss.ssxx.xx. 31-17-1 36a-746 et seq. Effective June 5October 1, 2001 --------------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code xx.xx. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Xxx. xx.xx. 494.0078 High Cost Home Loan et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED HIGH COST LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Covered Xxx. xx.xx. High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003current) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan 1994, 15 U.S.C. ss. 1639, 12 C.F.R. xx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. Stat. tit. High Risk Home Loan Stat815, xx.xx. ss.ss. 58-21A-1 137/5 et seq. Effective as of January 1, 20042004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Xxx. xx.xx. High Loan to Value Consumer 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; Revised as of February 26Sections 16a-1-301 and 16a-3-207 became effective April 14, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on 1999; Section 16a-3-308a became effective July 1, 1999 --------------------------------------------------------------------------------------------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan Cost Home Loans, N.C. Gen. Rev. Stat. ss.ssxx.xx. 00-1.1E 360.100 et seq. Effective for loans taken on or after January 1June 24, 2004 ---------------------------- ---------------------------------------- --------------------------2003 --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, xx.xx. High Rate High Fee Mortgage 8-101 et seq. Effective September 29, 1995 and as amended from time to time --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac5)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------------------------------------------------------------------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Xxxx Xxxxred Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------------------------------------------------------------------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Xxxx Xxx. xx.xx. 0-0X-0 Xxxx Loan Mar. 6, 20032000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Rev.Stat. ss.ss. Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------------------------------------------------------------------------------------------ EXHIBIT R [RESERVED] EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWMBS, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Samples: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2006-J4)
et seq. Effective Effectxxx May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Rhode Island Rhode Island Home Loan Protection Act, R.I. High Cost Home Loan Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- 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. Effective for loans taken on or after Jaxxxry 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Tennessee Tennessee Home Loan Protection Act, Tenn. Code High Cost Home Loan Ann.ss.ss.45-20-101 et seq. Effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- 2007. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Ann.ss.ss. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective Xxfective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. Covered Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State--------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. Home Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January Jaxxxry 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qa10 Trust)
et seq. Effective May 2400, 2002 0002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5Effectivx Xunx 0, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------- --------------- Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1Xxxobxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effectivx xor xxxxs originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks11 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------ -------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ------------------------------------- ------------------------------------------------ -------------------------------------- Rhode Island Rhode Island Home Loan Protection Act, R.I. High Cost Home Loan Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ------------------------------------- ------------------------------------------------ -------------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------ -------------------------------------- Tennessee Tennessee Home Loan Protection Act, Tenn. Code High Cost Home Loan Xxx.ss.ss.00-00-000 et seq. Effective January 1, 2007. ------------------------------------- ------------------------------------------------ -------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Act Loan Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ssXxx.xx.xx. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------ -------------------------------------- ----------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State----------------------------------------------------------------------------------------------------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW --------------------------------- ---------------------------------------------------- -------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx.ss.ss.7-6A-1 Covered Loan Mar. 6, LoaN 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------- ---------------------------------------------------- -------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------- ---------------------------------------------------- -------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State----------------------------------------------------------------------------------------------------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW ------------------------------- ------------------------------------------------------ -------------------------------------- Georgia (Oct. 1, 2002 - Mar. Georgia Fair Lending Act, Ga. Code Xxx.ss.ss.7-6A-1 et Home Loan Mar. LoaN 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------- ------------------------------------------------------ -------------------------------------- EXHIBIT-5 STANDARD & POOR'S HOME LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW ------------------------------ ------------------------------------------------------- -------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Home Loan Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------ ------------------------------------------------------- -------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 Home LoaN et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------ ------------------------------------------------------- -------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, Consumer Home Loan N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------ ------------------------------------------------------- -------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, Consumer Home Loan S.C. Code Xxx.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------------------------------------- ------------------------------------------------------- --------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-S5 Trust)
et seq. Effective May 24Max 00, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5Effectixx Juxx 0, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Octobxx 1, 2002 0000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Octobxx 1, 2002 0000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January Xxxxxry 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- EXHIBIT B (PREPAYMENT CHARGE SCHEDULE)
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qa3 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law -------------------------------------------------------------------------------------------------------- Ann. Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Va. Mortgage Loan Act Loan Va. Code Ann. ss.ss. Sections 31-17-1 et seq. Loan Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Category under Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003Xxxx Xxx. Xxxxxxx Xxxx 0000) Ann. ss.ss. Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. Sections 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Category under Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003Xxxx Xxx. Xxxx Xxxx 0000) Ann. ss.ss. Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law -------------------------------------------------------------------------------------------------------- Act of 2002, N.J. Rev. Stat. ss.ss. Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. Sections 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Sections 24-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF NOTES Public Notes
Appears in 1 contract
Samples: Sale and Servicing Agreement (Merrill Lynch Mortgage Investors Trust, Series 2005-2)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Protection Act, High Cost Home Loan R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Xxfective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Loan Protection Act, High Cost Home Loan Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective February 1, 2000 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxfective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs3 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Mortgage Lender, Broker and Servicer Loan Act Loan Act, W. Loan Act Loan Va. Code AnnXxx. ss.ssxx.xx. 31-17-1 et seqET SEQ. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------------------------- -------------------------------------------------------------------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan (Oct. 1, 2002 - Xxx. xx.xx. 7-6A-1 ET SEQ. Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seqET SEQ. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti------------------------------------------ E-7-Predatory Lending Category under Applicable Anti-Predatory Lending Law/4 Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. for loans originated on or after January 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann2005. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seqET SEQ. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ssxx.xx. 58-21A-1 et seqET SEQ. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. ss.ssxx.xx. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------ET SEQ.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac6)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- 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. Effective for loans taken on takex xn or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 46:10B- 22 et seq. Effective Xffective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxxective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -----------------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs16 Trust)
et seq. Effective May Effectivx Xxx 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June Effxxxivx Xxxe 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Effexxxve Xxxxber 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as Effectixx xx of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qa3 Trust)
et seq. O-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ---------------------- -------------------------------------------------------------- ------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------- -------------------------------------------------------------- ------------------------------- ss.ss. 1349.25 et seq. -- --- Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------- ----------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title Subsection 10 Mortgage 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------- -------------------------------------------------------------- ------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. High Cost Home Loan Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ----------------------- ----------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Act Loan -- --- Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------- -------------------------------------------------------------- ------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Poor's Covered Loan Categorization --------------------------------------------- ---------------------- -------------------------------------------------------------- ------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ---------------------- -------------------------------------------------------------- ------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6Xxxxxxx Xxxx - Xxx. 0, 20030000) Ann. ss.ss. 7-6A-1 et seq. Effective October Octobxx 1, 2002 0000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------- -------------------------------------------------------------- ------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Covered Home Loan Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------ -------------------------------------------------------------- -------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2007-Hy2)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- SCHEDULE A Schedule of Mortgage Loans with Defective Mortgage Files
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2005-S8 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- SCHEDULE A Schedule of Mortgage Loans with Defective Mortgage Files
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S2 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- 0002 ------------------------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Va. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June Jxxx 5, 2002 ---------------------------- ---------------------------------------- -------------------------- 0002 ------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 0X-1 et seq. Effective October 10, 2002 0002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------CATEGORIZATION
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qs10 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. Act Loxx 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003Georgia Fair Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Coverxx Loax 0003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seqxxx. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003Georgia Fair Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Home Xxxn 2000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -----------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Fr2)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- 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. Effective for loans taken on xx or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Act Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xxrch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------------- ------------------------------------------------- --------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xxrch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E 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 Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on xx or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- ---------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs10 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Rhode Island Rhode Island Home Loan Protection Act, R.I. High Cost Home Loan Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Tennessee Tennessee Home Loan Protection Act, Tenn. Code High Cost Home Loan Ann.ss.ss.45-20-101 et seq. Effective Jaxxxry 1, 2007 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Ann.ss.ss. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003Xxx.xx.xx. Xxxxxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003Xxx.xx.xx. Xxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs17 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken closed on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Categorization ----------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date ------------------------- ------------------ ------------------------------------------------- Anti-Predatory Lending Law/Law -------------------------- ---------------------------------------------------------------------------------------------------------------------- January 28, 2003 ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cxxx Hxxx Xoan 494.0078 et seq. Effective Date Law ---------------------------- ---------------------------------------- -------------------------- October 2, 2002 ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Xxxx Xxxx Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Gx. Xxxx Xxxx Cost Home Loan Mar. 6, 2003- current) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 58-21A-1 137/5 et seq. Effective as of January 1, 20042004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan xx Value Consumer ss.ss. 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; Revised as of February 26-------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. effective April 14, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on 1999; Section 16a-3-308a ss. 16a-3-308a) became effective July 1, 1999 ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Consumer Cost Home Loan Cost Home LoansAct, N.C. Gen. Ky. Xxxx Xxxx Xxxx Xxxx Rev. Stat. ss.ss. 00-1.1E 360.100 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-45t1)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's High Cost Loan Categorization --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. xx.xx. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Xxx. xx.xx. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. -- --- Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ------------------------------------------------- -------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. -- --- Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ------------------------------------------------- -------------------------------- O-4 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ssxx.xx. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. xx.xx. Home Loan Stat. ss.ss. 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssxx.xx. 0024-1.1E 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 Consumer Home Loan Loans Act, S.C. Code Xxx. xx.xx. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- O-5 EXHIBIT P [Reserved] EXHIBIT Q MONTHLY REPORT [On file with Trustee] EXHIBIT R-1 FORM OF PERFORMANCE CERTIFICATION (Subservicer) Re: The Pooling and Servicing Agreement dated as of [________] (the "Pooling and Servicing Agreement") among CWALT, Inc., as Depositor, Countrywide Home Loans, Inc., as a Seller, Park Monaco Inc., as a Seller, Park Sienna LLC, as a Seller, Countrywide Home Loans Servicing LP, as Master Servicer, the undersigned, as Trustee and [Subservicing Agreement] dated as of [ ] (the "Agreement") I, ________________________________, the _______________________ of [NAME OF COMPANY] (the "Company"), certify to the Depositor and the Master Servicer, and their officers, with the knowledge and intent that they will rely upon this certification, that:
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oa17)
et seq. Effective May 24June 2, 2002 2003 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- Oklahoma Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-100 et xxx. Effective for covered loans taken offered or entered into on or after January 1, 2004 2003. Other provisions of the Act took effect on June 7, 2002 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Connecticut Connecticut Abusive Home Loan High Cost Home Loan Lending Practices Act, W. Loan Act Loan Va. Code AnnConn. Gen. Stat. ss.ss. 31-17-1 36a-746 et seqsxx. Effective June 5October 1, 2001 --------------------------------- ------------------------------------ ---------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. 26-1151.01 ex xxx. Effective for loans closed on or after January 28, 2003 --------------------------------- ------------------------------------ ---------------------------- Florida Fair Lending Act, Fla. Stat. Ann. High Cost Hxxx Loan ss.ss. 494.0078 et xxx. Effective October 2, 2002 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered High Cost Home Loan Mar. (Oct 1, 2002 - Mar 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - as amended Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6(Mar 7, 20032003 - current) Code Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seqxx sex. Effective for loans closed on or after November 27March 7, 2003 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- New Mexico 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 --------------------------------- ------------------------------------ ---------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. High Risk Home Loan Comp. Stat. tit. 815, ss.ss. 58-21A-1 137/5 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------(prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) --------------------------------- ------------------------------------ ----------------------------
Appears in 1 contract
Samples: Custodial Agreement (Peoples Choice Home Loan Securities Trust Series 2004-2)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ------------------------------------ ---------------------------- Rhode Island Rhode Island Home Loan Protection High Cost Home Loan Act, R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ---------------------------- ------------------------------------ ---------------------------- 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- Tennessee Tennessee Home Loan Protection High Cost Home Loan Act, Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective January 1, 2007. ---------------------------- ------------------------------------ ---------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan W. Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 00:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------------------------------------------------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-Predatory Lending Law/Effective Date Law PREDATORY LENDING LAW ------------------------ ---------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActAxx, Ga. Code Home Loan Mar. Xx. Xxxx Xxxx Xxxx - Xxx. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------ ---------------------------------------- ---------------------------- ---------------------------------------- -------------------------- EXHIBIT-5 STANDARD & POOR'S HOME LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW ----------------------- ----------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ----------------------- ----------------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ----------------------- ----------------------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssStat.ss.ss. 00-1.1E 0.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ----------------------- ----------------------------------------- ---------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 00-03-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------- ----------------------------------------- ----------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-S1 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks9 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- 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. Effective for loans taken takxx on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxfective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -----------------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Emx4 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ssAnn.ss.ss. 31-17-1 et seq0 XX XXX. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------------------------- -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ssAnn.ss.ss. 7-6A-1 et seqXX XXX. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ssStat.ss.ss. 46:10B-22 et seqET SEQ. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State------------------------------------------ -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING APPLICABLE ANTI- LAW/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ssAnn.ss.ss. 7-6A-1 et seqXX XXX. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ssStat.ss.ss. 46:10B-22 et seqET SEQ. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ssStat.ss.ss. 58-21A-1 et seq21X-0 XX XXX. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seqET SEQ. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------------------------------------------------------------------------- SCHEDULE A ---------- REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates ------------------- Class S&P Moody's ----------------------- --------------------------- ---------------------
Appears in 1 contract
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. High Cost Home Loan Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ------------------------------------- ------------------------------------------------------ ----------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ------------------------------------- ------------------------------------------------------ ----------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans High Cost Home Loan Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Tennessee Tennessee Home Loan Protection Act, Tenn. Code Ann. High Cost Home Loan ss.ss.45-20-101 et seq. Effective Jxxxxxx 0, 2007 ------------------------------------- ------------------------------------------------------ ----------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker West Virginia Mortgage Lender, Broker Loan Act and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Loax Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, Xx. Xxxx Xxx.xx.xx.0-0X-0 xx Xxvered Lxxx 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Covered Home Loan Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Xx. Xxxx Xxx.xx.xx.0-0X-0 xx Xxme Loan Mar. 6, 20030003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Home Loan Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss.Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------- ------------------------------------------------------ ----------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Consumer Home Loan Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------------------------------------------- ------------------------------------------------------ -----------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007 SA3 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seqxxq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqxxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqxxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2005-Sa5 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ------------------------------------ ---------------------------- Rhode Island Rhode Island Home Loan Protection High Cost Home Loan Act, R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ---------------------------- ------------------------------------ ---------------------------- 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- Tennessee Tennessee Home Loan Protection High Cost Home Loan Act, Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective January 1, 2007. ---------------------------- ------------------------------------ ---------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan W. Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 00:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ------------------------- --------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------------------------------------------------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-Predatory Lending Law/Effective Date Law PREDATORY LENDING LAW ------------------------ ---------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActAxx, Ga. Code Home Loan Mar. Xx. Xxxx Xxxx Xxxx - Xxx. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------ ---------------------------------------- ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW ----------------------- ----------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ----------------------- ----------------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ----------------------- ----------------------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssStat.ss.ss. 00-1.1E 0.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ----------------------- ----------------------------------------- ---------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 00-03-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------- ----------------------------------------- ----------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-Sa1 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. §§ Act Loan 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ------------------------------------------------- -------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003Xxx. §§ Xxxxxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ------------------------------------------------- -------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003Xxx. §§ Xxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Residential Asset Securities Corp)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seqxxx. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- SCHEDULE A Schedule of Mortgage Loans with Defective Mortgage Files
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S3 Trust)
et seq. Effective Effxxxive May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Rhode Island Rhode Island Home Loan Protection Act, R.I. High Cost Home Loan Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans taken on or after Xxnuary 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Tennessee Tennessee Home Loan Protection Act, Tenn. Code High Cost Home Loan Ann.ss.ss.45-20-101 et seq. Effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- 2007 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Ann.ss.ss. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. Covered Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. Home Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January Xxnuary 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007 QS9 Trust)
et seq. Effective May 24Xxx 04, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma ------------------------------------------------------------------------------------ Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) ). Effective for Oklahoma July 1, 2000; amended effective Jan. 1, 2004 ------------------------------------------------------------------------------------ South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. South Carolina ss.ss. 37-23-10 et seq. Effectivx xxx loans taken on or after January Jan. 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia ------------------------------------------------------------------------------------ West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. West Virginia Code Ann. ss.ss. 31-17-1 et seq. Effective Effexxxve June 5, 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 - March 6, Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003Xx. Xxxx Xxx. 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October Xxx. 1, 2002 - 2002-March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey ------------------------------------------------------------------------------------ New Jersey Home Ownership Security Act Covered Home Loan of New Jersey 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November Nov. 27, 2003 - 2003-July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ------------------------------------------------------------------------------------ O-2 ------------------------------------------------------------------------------------ Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization ------------------------------------------------------------------------------------ State/Jurisdiction jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory applicable Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- anti-predatory lending law ------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - 2002- Georgia Fair Lending Act, Ga. Xx. Xxxx Xxxx Xxxxx 0, 0000) Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Oct. 1, 2002 - 2002-March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey ------------------------------------------------------------------------------------ New Jersey Home Ownership Home Loan Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et New Jersey seq. Effective for loans closed on or after November Nov. 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico ------------------------------------------------------------------------------------ Home Loan Protection Act, Home Loan N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seqNew Mexico xx xxx. Effective Xxxxxxxxx as of January Jan. 1, 2004; Revised revised as of February Feb. 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina ------------------------------------------------------------------------------------ Restrictions and Limitations on High Consumer Home Loan on High Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. North Caroxxxx Effective July 1, 2000; amended Oct. 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------ South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. South Carolina Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January Jan. 1, 2004 ---------------------------- ---------------------------------------- -------------------------------------------------------------------------------------------------------------- EXHIBIT P [RESERVED]
Appears in 1 contract
Samples: Pooling and Servicing Agreement (BellaVista Funding CORP)
et seq. Effective May 2420, 2002 0002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5Xxne 0, 2002 0002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1Oxxxbex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------CATEGORIZATION
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2005-Rz1 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective August 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. Act Loan 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003Georgia Fair Lexxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Xovered Lxxx 2000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003Georgia Fair Lexxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Xome Loan 0003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- SCHEDULE A Schedule of Mortgage Loans with Defective Mortgage Files
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S8 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Xxx.xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Xxx.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Xxx.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Xxx.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatXxxx.xx.xx. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Xxx.xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAAC Series 2006-Sp4 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and High Cost Home Loan Consumer Home Loans Act, S.C. Code Axx.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Mortgage Loan Act Loan Act, W. Loan Act Loan Va. Code Ann. ss.ssAxx.xx.xx. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia Georgia Fair Lending Act, Covered Loan (Oct. 1, 2002 - Georgia Fair Lending ActMar. 6, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Axx.ss.ss.7-6A-1 et 2003) seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia Georgia Fair Lending Act, Home Loan (Oct. 1, 2002 - Georgia Fair Lending ActMar. 6, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Axx.ss.ss.7-6A-1 et 2003) seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatSxxx.xx.xx. ss.ss. 0024-1.1E 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 Axx.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- 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. Effective for loans taken takxx on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- -------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- --------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxfective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ----------------------------------------------------- EXHIBIT C LIST OF MORTGAGE LOANS WITH ORIGINAL TERM TO MATURITY OF 360 MONTHS AND AN ORIGINAL AMORTIZATION TERM OF 480 MONTHS [SEE ATTACHMENT OR ON FILE WITH THE DEPOSITOR]
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Ks5 Trust)
et seq. Effective Effecxxxe May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective 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. Effective for loans taken on or after January Jxxxary 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Ann.ss.ss. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective Xffective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. Covered Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ssStat.ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- 0000 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. Home Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ssStat.ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November aftxx Xxxxxxxr 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective July 1, 2000; amended Octobex 0, 0000 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January Jxxxary 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rs2 Trust)
et seq. Effective May 24June 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma 0000 ------------------------------------------------------------------------------------------------ Colorado Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Equity Protection, Colo. Stat. Covered Loan Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans taken offered or entered into on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender2003. Other provisions of the Act took effect on June 7, Broker and Servicer 2002 ------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, W. Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ------------------------------------------------------------------------------------------------ District of Columbia Home Loan Act Protection Act, D.C. Code ss.ss. Covered Loan Va. Code 26-1151.00 xx 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 Loan 000.0078 et seq. Effective June 5October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Ann. High Cost Home Loan Mar. 6, 2003) Ann. ss.sssx.xs. 7-6A-1 et seq. Effective October 10, 2002 0002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Ann. High Cost Home Loan 7, 2003 - current) sx.xs. 7-6A-1 et seq. Effective for loaxx xxosed on or after March 7, 2003 ------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective Januxxx 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective xxr xxxxx originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value 00x-1-000 et seq. Consumer Loan (id. ss. Sections 16a-1-301 and 16a-3-207 became 16a-3-207) and; effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ------------------------------------------------------------------------------------------------ High APR Consumer Loan (id. ss. 16a-3-308a) ------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 20, 0003 ------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, ss.ss. 8-101 et seq. Effective Septembex 00, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 High Cost Home Loan xx seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 0001 and amended from time to time ------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 0000 ------------------------------------------------------------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective Octobxx 0, 2003 ------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High Consumer High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January July 1, 2004 ---------------------------- ---------------------------------------- --------------------------2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------ Ohio H.B. 386 (codified in various sections Covered Loan of the Ohio Code), Ohio Rev. Code Ann. ss.ss. 1349.25
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qs10 Trust)
et seq. Effective Xffective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Protection Act, High Cost Home Loan R.I. Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxxxctive for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Loan Protection Act, High Cost Home Loan Tenn. Code Ann.ss.ss.45-20-101 et seq. Effective January 1, 2000. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- StateSTATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI-Predatory Lending LawPREDATORY LENDING LAW/Effective Date Law EFFECTIVE DATE LAW ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xxrch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State---------------------------- ---------------------------------------- -------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI-Predatory Lending LawPREDATORY LENDING LAW/Effective Date Law EFFECTIVE DATE LAW ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xxrch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxxxtive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxxxctive for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- EXHIBIT B PREPAYMENT CHARGE SCHEDULE [ON FILE WITH RFC]
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh8 Trust)
et seq. Effective May 24March 22, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage various sections of Title 14A) Effective for loans taken on or after January 1Loan Mass. Gen. Laws ch. 183C, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.xx. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending ------------------------------ -------------- State/Jurisdiction Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 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 Consumer Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January July 1, 2004 ---------------------------- ---------------------------------------- --------------------------2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2005-46cb)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken closed on or after January 128, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. 2003 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. Higx Xosx Xxxe Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Xxxx Xxgh Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xx. Xxxx Xxgh Cost Home Loan Mar. 6, 20032003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loxx to Value Consumer ss.ss. 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; ------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. effective April 14, 1999; Section 16a-3-308a ss. 16a-3-308a) became effective July 1, 1999 ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - March 6High Cost Home Loan Act, Ky. Xxx. Xxxx Xxxx Xxxx Xxxx Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9 High Rate High Fee Mortgage A, ss.ss. 8-101 et seq. Effective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cxxx Xome Loan 32.00 et 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. Stat. Home Loan ss.ss. 598D.010 et seq. Effective October 1, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. High Cost Home Lxxx 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 Consumer Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc4)
et seq. Effective May Effectixx Xxy 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------------------------------------------------------------------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003Cxxxxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October Efxxxtixx Xxtober 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective Effecxxxx November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------------------------------------------------------------------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 Hxxx Xxxx 0000) et seqxxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective Effexxxxx for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Rev.Stat. ss.ss. Home Loan 58-21A-1 00X-0 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. Effective Xxxecxxxx for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------------------------------------------------------------------------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-2 [Reserved] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-J4)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- 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. Effective for loans taken on takex xn or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable Anti-Predatory Lending LawPREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/Effective Date Law EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 46:10B- 22 et seq. Effective Xffective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E et seq. Effective Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxxective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ----------------------------------------------------- EXHIBIT B Schedule of Balloon Loans [ON FILE AT RFC]
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2007-Ks3 Trust)
et seq. Effective May 2400, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti- Predatory Lending Law --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- 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. Effective for loans xxans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Mortgage Loan Act Loan Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 50, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD --------------------------------------------------------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization --------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending 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. 7Code Ann.ss.ss.7-6A-1 et seq. Effective October Octobxx 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Security Act of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD --------------------------------------------------------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization --------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Anti- Law/Effective Date Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Code Ann.ss.ss.7-6A-1 et seq. Effective October Octobxx 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Home Loan Security Act Home Loan of 2002, N.J. Rev. StatStat.ss.ss. ss.ss. 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Rev. Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------- --------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan High Cost Home Loans, N.C. Gen. StatStat.ss.ss. ss.ss. 0024-1.1E 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.ss.ss.37-23-10 et seq. Effective for loans xxans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -----------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs14 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- 0002 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. High Cost Home Loan Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans High Cost Home Loan Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans lxxxs taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Tennessee Tennessee Home Loan Protection Act, Tenn. Code Ann. High Cost Home Loan ss.ss.45-20-101 xx seq. Effective January 1, 2007 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker West Virginia Mortgage Lender, Broker Loan Act and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Loan Effective June Xxxe 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seqCovered Loan 2000) xeq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Covered Home Loan Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seqHome Loan 2003) xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Home Loan Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seqsxx. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Consumer Home Loan Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans lxxxs taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------------------------------------------- ------------------------------------------------------ ----------------------------------- EXHIBIT B (PREPAYMENT CHARGE SCHEDULE)
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qo4 Trust)
et seq. Effective Effectxxx May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Rhode Island Rhode Island Home Loan Protection Act, R.I. High Cost Home Loan Gen. Lawsss.ss.34-25.2-1 et seq. Effective December 31, 2006. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- 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. Effective for loans taken on or after Jaxxxry 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Tennessee Tennessee Home Loan Protection Act, Tenn. Code High Cost Home Loan Ann.ss.ss.45-20-101 et seq. Effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- 2007. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Lender, Loan Broker and Servicer Act, W. Loan Va. Code Ann.ss.ss. Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective Xxfective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State--------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. Covered Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State--------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Lending Category under Applicable AntiPREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann.ss.ss. Home Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January Jaxxxry 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ------------------------------------------------- -------------------------------- EXHIBIT B PREPAYMENT CHARGE SCHEDULE [ON FILE WITH RFC]
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qh3 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Lawsss.ss. High Cost Home Loan 34-25.2-1 et seq. Effective December 31, 2006 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Subsection 10 Mortgage Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Tennessee Tennessee Home Loan Protection Act, Tenn. Code Ann.ss.ss.45-20-101 High Cost Home Loax et seq. Effective January 1, 2007 -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Act Loan Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Coverex Xoan Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Covered Home Loan ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ----------------------------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Home Lxxx Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Home Loan ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Consumer Home Loan Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ -------------------------------------------- ------------------------------------------------------------------- ------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Consumer Home Loan Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2007-Qs6 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 00-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31Ann.ss.ss.31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ssStat.ss.ss. 00-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 00-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------- EXHIBIT B (PREPAYMENT CHARGE SCHEDULE)
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo1 Trust)
et seq. Effective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- Q-3 ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. 31-17-1 et seq. Effective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Xxxx Xxxxxxx Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, -- --- 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD ---------------------------------- ----------------------------------------------------- ------------------------------ Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization ------------------------------------------ ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, Xxxx Xxx. xx.xx. 0-0X-0 Xxxx Xxxn 2003) Ann. ss.ss. 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. -- --- Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Rev.Stat. ss.ss. Home Loan 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 0024-1.1E et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ------------------------------------------------------------ ----------------------------------------------------- ------------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. [RESERVED] [RESERVED] EXHIBIT T [RESERVED] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- General Servicing Considerations --------------------- ---------------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in 1122(d)(1)(i) accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. 1122(d)(1)(ii) --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. 1122(d)(1)(iv) --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an obligor or to 1122(d)(2)(ii) an investor are made only by authorized personnel. W-2
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2007-1t1)
et seq. Effective May 2420, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Mortgage Effective July 1, 2000; amended effective 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. Effective for loans xxxns taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Mortgage Loan Act Servicer Act, W. Loan Act Loan Va. Code Ann. ss.ss. Ann.ss.ss.Loan 31-17-1 et seq. Effective Xffective June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD -------------------------------------------------------------------------------- Standard & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- Poor's Covered Loan Categorization -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Lending Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan - Mar. 6, 2003) Ann. ss.ss. 7Code Ann.ss.ss.7-6A-1 et seq. Effective October 1Octobex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD -------------------------------------------------------------------------------- Standard & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ Poor's Home Loan Categorization -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Lending Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan - Mar. 6, 2003) Ann. ss.ss. 7Code Ann.ss.ss.7-6A-1 et seq. Effective October 1Octobex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Home Loan Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. 58Rev. Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. ss.ss. 00Stat.ss.ss.24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans xxxns taken on or after January 1, 2004 ---------------------------- ---------------------------------------- ---------------------------------------------------------------------------------------------------------- EXHIBIT B (PREPAYMENT CHARGE SCHEDULE) ON FILE WITH RFC
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo8 Trust)
