et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 11 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2005 EMX4 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ahl1 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ahl3 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 00x-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. Xar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
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 June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxxq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Hxxx Lxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xome Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsex. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqsex. 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 Loan to Value Valxx ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 5 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2006-Ks1 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ks10 Trust), Assignment and Assumption Agreement (RALI Series 2005-Q03 Trust)
et seq. Effective June 20, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered Effectxxx fxx xxvered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqsxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq494.0008 xx xxq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Homx Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October 1Xxtoxxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans xxr xxxxx 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 Oxxxxxr 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 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-116a-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 4 contracts
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks12 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qs15 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qo5 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. AnnXxx. ss.ssxx.xx. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ssxx.xx. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ssxx.xx. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 0000 - Georgia Fair Lending Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Code High Cost Home Loan Mar. 6, 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) AnnXxx. ss.ssxx.xx. 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.ssxx.xx. 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.ssxx.xx. 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. AnnXxx. High Loan to Value ss.ssxx.xx. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ssxx.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 June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. 494.0078 High Cost Home Loan 494.0078 et seqET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx 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 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Xxx. xx.xx. High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ssxx.xx. 137/5 et seqET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan xx.xx. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnXxx. xx.xx. High Loan to Value ss.ss. Consumer 16a-1-101 et seqET SEQ. Consumer Loan (id. 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seqET 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 9-A, ss.ss. Mortgage 8-101 et seq. MortgageET SEQ.
Appears in 2 contracts
Samples: Grantor Trust Agreement (Bear Stearns Arm Trust, Mortgage-Backed Notes, Series 2005-2), Grantor Trust Agreement (Bear Stearns Arm Trust, Mortgage-Backed Notes, Series 2005-2)
et seq. Effective June 2Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqex xxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Ga. Code High Cost Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6Xxx. 0, 20030000) AnnXnn. ss.ss. 7-6A-1 et seq. Effective October Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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-100x-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
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 June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. Covered Loxx ss.ss. 5-3.5-101 et seqsex. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. Covered Loan 26-1151.01 et seqsxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Hixx Coxx Xxme Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xxx. xx.xx. Xigh Cosx Xomx Xxxn 2002 - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 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 Act --------------------- ------------------------------------------------- -------------------------------- 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 Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. High Xxxn xx Xalue Consumer 16a-1-101 et seq. Consumer 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan ActLxxx Xxx, Ky. 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. High Rate High Fee 9-A, ss.ss. High Rate High Xxx Mortgage 8-101 et seq. MortgageEffective 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 of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et sex. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Xxxx 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan --------------------- ------------------------------------------------- -------------------------------- 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. 24-1.1E et seq.
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 June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 1 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Conn. Gen. Nev. Xxv. Stat. ss.ss. 00a-746 Home Loan 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of Columbia 2002, High Cost Home Loan Protection Act, D.C. Code N.J. Rev. Stat. ss.ss. Covered Loan 26-1151.01 46:10B-22 et seqxxx. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, Fla. N.M. Rev. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 Hxxx Xoan 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed applications made on or after March 7April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership --------------------- ------------------------------------------------- -------------------------------- 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 Equity Protection Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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 ActLoans, Ky. Rev. N.C. Gen. Stat. ss.ss. 360.100 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgagesxx.
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 June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act7, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan 7, 2003 - current) Ann. ss.ssxx.xx. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ssxx.xx. 137/5 et seqET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan xx.xx. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnXxx. High Loan to Value ss.ssConsumer xx.xx. 16a-1-101 et seqET SEQ. Consumer Loan (id. ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became -------------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan (ID. ss. became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ------------------------------------------------- --------------------------------
Appears in 2 contracts
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He3), Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He3)
et seq. Effective June 2Junx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered Effecxxxe xxx xovered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqxxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seqxx xeq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Hoxx Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October Effectivx Xctxxxx 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans Effectivx xor xxxxs 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 Xxxxxer 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 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. 16a-116x-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 2 contracts
Samples: Home Equity Loan Purchase Agreement (RFMSII Series 2005-Hsa1 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ks8 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Covered Loan 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High Cost Home Loan 494.0078 Xxme Xxxx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxx, Xx. xx.xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003Xxxt Home Xxxn 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Gx. Xxxx Xxx. xx.xx. Xxxx Cost Home Loan 7, 2003 Hoxx Loxx - 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 Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ss.ss. Vxxxe Xxxxxmer 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Xxxx Xxxx Xxxx Xxxx Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. High Rate High Fee Mortxxxx 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks3 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxx sex. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Xxme Xxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Faxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqxxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqxxx. 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 226.34 226.00 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Vxxxe ss.ss. 16a-1-101 et seqsex. 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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2005-Sa5 Trust)
et seq. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective June 2Date Predatory Lending Law -------------------------------------------------------------------------------------------------------- Effective March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time -------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Colo. Covered Loan Nev. Rev. Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Xxxe Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 Sections 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia 2003 -------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan Protection Actof 2002, D.C. Code ss.ssN.J. Rev. Stat. Covered Loan 26-1151.01 Sections 46:10B-22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending -------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, Fla. Stat. Ann. ss.ss. N.M. Rev. High Cost Home Loan 494.0078 Stat. Sections 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 -------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed applications made on or after March 7April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership -------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Equity Protection Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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 ActLoans, Ky. Rev. N.C. Gen. Stat. ss.ss. 360.100 Sections 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Sale and Servicing Agreement (Merrill Lynch Mortgage Investors Trust, Series 2005-2)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqex xeq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Xxxe Xxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Faix Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqsxx. 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 226.34 226.30 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Vaxxx ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qs17 Trust)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the Act took effect on June 72004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Broker and Servicer Act, Conn. Gen. StatW. Loan Act Loan Va. Code Ann. ss.ss. 00a-746 31-17-1 et seq. Effective October 1June 5, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan 26Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-1151.01 et seq. Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Date Predatory Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx 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 (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership and Equity Protection High Cost Security Covered Home Loan Act of 19942002, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. 360.100 46:10B- 22 et seq. Effective June 24November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending- July 5, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2005-47cb)
et seq. Effective June 20, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered Effecxxxe xxx xovered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code Covered Loan ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans xxx xoans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 ss.ss.004.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Hoxx Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October 1Xxtoxxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans xxr xxxxx 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 Oxxxxxr 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 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. Effectixx fox xxxns originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-116x-0-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 High APR Consumer Loan became effective April 14, 1999; (id. ss. 16a-3-308a) 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 24Junx 00, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 xx seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective Octxxxx 1, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective ax xx January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks1 Trust)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 Oklahoma Consumer Equity ProtectionCredit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, Colo. Covered 2000; amended effective January 1, 2004 South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan StatLoans Act, S.C. Code Xxx. Ann. ss.ss. 5Sections 37-3.523-101 10 et seq. Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the Act took effect on June 70000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices West Virginia Mortgage Broker and Servicer Act, Conn. Gen. StatW. Va. Code Xxx. ss.ss. 00a-746 Loan Act Loan Sections 31-17-1 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2June 5, 2002 ---------------------------- ---------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Lending Law/Effective Category under Applicable State/Jurisdiction Date Anti-Predatory Lending Law ------------------ --------------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Code Xxx. Covered Loan 2003) Ann. ss.ss. Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of Covered Home Loan 72002, N.J. Rev. Stat. Sections 46:10B-22 et seq. Effective November 27, 2003 - currentJuly 5, 2004 STANDARD & POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Law/Effective Category under Applicable State/Jurisdiction Date Anti-Predatory Lending Law ------------------ --------------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Home Loan 2003) Ann. ss.ss. Sections 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- March 6, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage0000
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Merrill Lynch Investors Trust, Series 2006-A2)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxxq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Hxxx Lxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Faix Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsex. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqsex. 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 Loan to Value Xalue ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 High APR Consumer Loan became effective April 14, 1999; (id. ss. 16a-3-308a) Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S4 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 00x-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Loax 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. Xar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks9 Trust)
et seq. Effective June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time ------------------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost Home Practices Act Mortgage Loan Mass. Gen. Laws ch. 183C, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 1 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act2004 ------------------------------------------------------------------------------------------------------------ Nevada Assembly Bill No. 284, Conn. Gen. Nev. Rev. Stat. Xome Loan ss.ss. 00a-746 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia 2003 ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security High Cost Home Loan Protection ActAct of 2002, D.C. Code N.J. Rev. Stat. ss.ss. Covered 46:10B- ------------------------------------------------------------------------------------------------------------ O-3 Standard & Poor's High Cost Loan 26Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-1151.01 Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ 22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending ------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, Fla. Stat. Ann. ss.ss. N.M. Rev. High Cost Home Loan 494.0078 Stat. ss.ss. 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 ------------------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003) Ann2003 ------------------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 724-6A-1 1.1E et seq. Effective July 1, 2000; amended October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - currentadding open-end lines of credit) 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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2005-45)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Xxst Xxxx Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending XxxAct, Xx. Ga. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Xxxh Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code High Xx. Xxxx Xxxh Cost Home Loan 7, 2003 - 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 Loan to Loax xo Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 0000 XX X.X. 000 - High Cost Home Loan High Cost Home Loan ActXxxx Xxxx Xxxx Xxxx Xxt, Ky. Rev. 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 9-Mortgage A, ss.ss. 8-101 et seq. MortgageEffective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Coxx Xxme 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 Rev. Stat. ss.ss. 46:10B 22 et seq. New Jersey Home Ownership Security Act of 2002, N.M. Effective for loans closed on or after November 27, 2003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loxx 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-29t1)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed loxxx xlosed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ss.ss. 494.0078 et xx seq. Effective October 20, 2002 ---------------------------- ---------------------------------------- -------------------------- 0002 -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Octobxx 1, 2002 0000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed lxxxs xxxxxd on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection 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 Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective Xffective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, High Cost Home Ind. Code Ann. ss.ss. 24-9-1-1 et Loans seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 -------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Ann. ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; -------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization -------------------------------------------------------------------------------- Category under Applicable Anti- State/Jurisdiction Name of Anti-Predatory Lending Predatory Law/Effective Date Lending Law -------------------------------------------------------------------------------- Sections 16a-1-301 and 16a-3-207 High APR Consumer became effective April 14, 1999; Loan (id. ss. Section 16a-3-308a became effective 16a-3-308a) 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 Cxxx Xxxx Xxxx Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee tit. 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Residential Accredit Loans Inc)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Equity ProtectionCredit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, Colo. Covered 2000; amended effective January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, High Cost Home Loan Stat. S.C. Code Ann. ss.ss. 537-3.523-101 10 et seq. Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Servicer Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. W. Va. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 31-17-1 et seq. Xxan Effective October 2June 5, 2002 ---------------------------- ---------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date ------------------------- ------------------ ------------------------------------------------- Anti-Predatory Lending Law -------------------------- ----------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Covered Loan - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act----------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Ga. Code High Cost Covered Home Loan 7, 2003 - 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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. 360.100 46:10B 22 et seq. Effective June 24November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending- July 5, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage2004 -----------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-45t1)
et seq. Effective June 2Mxxxx 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time ------------------------------------------------------------------------------------------------------------------ Nevada Assembly Bill No. 284, Colo. Covered Loan Nev. Rev. Stat. Ann. ss.ss. 5-3.5-101 Home Loan 598D.010 et seqsxx. Effective for covered loans offered or entered into on or after January October 1, 2003. Other provisions 2003 ------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Act of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectixx xxr loans closed on or after November 27, 2003 ------------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, Conn. N.M. Rev. Stat. High Cost Home Loan ss.ss. 58-21A-1 et seq. Effectivx xx of January 1, 2004; Revised as of February 26, 2004 ------------------------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ------------------------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High Cost High Cost Home Loan Home Loans, N.C. Gen. Stat. ss.ss. 00a-746 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District 2003 (adding open-end lines of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003credit) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection ------------------------------------------------------------------------------------------------------------------ Standard & Poor's High Cost Loan Act Categorization State/Jurisdiction Name of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Anti-Predatory Lending Law/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 Date Category under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1Applicable Anti-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgagePredatory Lending Law
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Residential Funding Mortgage Securities I Inc)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High 494.0078 Xxgh Cost Home Loan 494.0078 et seqET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ----------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xxx. xx.xx. Hxxx Cxxx Xome Loan 2002 - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Ann. ss.ss. Higx Xost Xxxx Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seqET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Coxx Home Loan ss.ss. 24-9-1-1 ET SEX. Effective for loans originated on or after January 1, 2005. ----------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seqET SXX. Consumer Loan (id. ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan effective April 14, 1999; Section 16a-3-308a (ID. ss. 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 Xxxx Xxx, Xx. Xxxx Xxxx Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seqET SEQ. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, High Rate High ss.ss. 8-101 et seqET SEQ. MortgageFee Mortgage Effective September 29, 1995 and as amended from time to time -----------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (MERRILL LYNCH MORT INV TRUST MLMI Series 2005-A2)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. Ann.ss.ss.494.0078 High Cost Home Loan 494.0078 et seqET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, XxGa. Code Ann.ss.ss. Xxxx Xxxx Xxxx Xxxx Xxxx Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Ann.ss.ss. Xxxx Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639U.S.C.ss.1639, 12 C.F.R. ss.ss. 226.32 C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq815,ss.ss.137/5 ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnAnn.ss.ss. High Xxxh Loan to Value ss.ss. Consumer 16a-1-101 et seqET SEQ. Consumer Loan (id. ss. 16a-3ID.ss.16a-3-207) and; ------------------------------ Sections 16a-1-301 and 16a-3-207 became effective High APR Consumer Loan April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ssID.ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- July 1, 1999 --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 0000 XX X.X. 000 - High Cost Xxxx Xost Homx Xxxx Xxx, Xx. Xxxx Xxxt Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seqStat.ss.ss.360.100 ET SEQ. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ,ss.ss. High Rxxx Xigh Fee Mortgage 8-101 et seq. MortgageET SEQ.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Fr1)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. Covered Xxan ss.ss. 5-3.5-101 et seqxxx. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seqsxx. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. Covered Loan 26-1151.01 et seqex xxx. Effective for loans closed on or after January 28, 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 --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Xxgh Xxxx Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Fxxx Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. High Xxxt Xxxx Xxxx Xxxx Xxxx Loan 2002 - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. High Cxxx Hxxx Xoan (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 Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Hxxx Loan ss.ss. 24-9-1-1 et xxx. Effective for loans originated on or after January 1, 2005. --------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. Higx Loax xx Value Consumer 16a-1-101 et seq. Consumer 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3--------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-308a) ---------------------------- ---------------------------------------- -------------------------- Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Homx Xxxx Xxx, Xx. Xxxx Xxxx Xxxx Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seqsxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. High Rate Hxxx Xee Mortgage 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He10)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- 2000 -------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered fox xovxxxx loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- 0001 -------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed loxxx xlosed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ss.ss. 494.0078 et xx seq. -------------------------------------------------------------------------------- Category under Applicable Name of Anti-Predatory Lending Anti-Predatory State/Jurisdiction Law/Effective Date Lending Law -------------------------------------------------------------------------------- Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. High Cost Home Loan - Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective October Octobxx 1, 2002 0000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Code Ann. ss.ss. 7-6A-1 et seq. Effective for loans current) Effectixx fox xxxns closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection 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 Act, Ill. Comp. High Risk Home Loan Comp. Stat. tit. 815, ss.ss. 137/5 et seq. Effective Xxxective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Ann. ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; High APR Consumer Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-316a- effective July 1, 1999 3-308a) ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective Xffective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee tit. 9-A, ss.ss. 8-101 et seq. MortgageMortgage Xxxxxtive September 29, 1995 and as amended from time to time --------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2006-13arx)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act7, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan 7, 2003 - current) Ann. ss.ssxx.xx. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ssxx.xx. 137/5 et seqET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan xx.xx. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnXxx. xx.xx. High Loan to Value ss.ss. Consumer 16a-1-101 et seqET SEQ. Consumer Loan (id. 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seqET SEQ. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, xx.xx. High Rate High Fee 9-A, ss.ss. Mortgage 8-101 et seq. MortgageET SEQ.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Arm Trust 2005-3)
et seq. Effective June Xxxx 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for Efxxxtixx xxr covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 1100.00 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 094.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Ga. Code Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6Xxx. 0, 20030000) Ann. ss.ss. 7-6A-1 et seq. Effective October Effecxxxe Xxxxxer 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans Effecxxxe xxx xoans 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 Effectixx Xxtober 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 Xxxxxry 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. Effxxxivx xxx loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan Loxx (id. xd. 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. 360.100 et seq. Effective June Xxxx 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qa8 Trust)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 --------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for covered loans offered or entered into xxxxx taken on or after January 1, 2003. Other provisions of the Act took effect on June 72004 --------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices West Virginia Mortgage Broker and Servicer Act, Conn. Gen. StatW. Va. Code Ann. Loan Act Loan ss.ss. 00a-746 31-00-1 et seq. Effective October 1June 0, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. 0002 --------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan 26Categorization --------------------------------------------------------------------------------------------------------------- Category under Name of Anti-1151.01 et seq. Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Date Predatory Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Law --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, XxGa. Code Ann. Xxxx Xxxx Xxxx Xxxx Xxxx Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 0X-1 et seq. Effective October 1Octobex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act--------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Ga. Code High Cost Covered Home Loan 7, 2003 - 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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. 360.100 46:10B 22 et seq. Effective June 24Novxxxxx 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending- July 5, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage2004 ---------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Residential Asset Mortgage Products Inc)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Xxst Xxxx Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending XxxAct, Xx. Ga. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Xxxh Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code High Xx. Xxxx Xxxh Cost Home Loan 7, 2003 - 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 Loan to Loax xo Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 0000 XX X.X. 000 - High Cost Home Loan High Cost Home Loan ActXxxx Xxxx Xxxx Xxxx Xxt, Ky. Rev. 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 9-Mortgage A, ss.ss. 8-101 et seq. MortgageEffective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Coxx Xxme 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 Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loxx 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2006-J4)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. Covered Loan ss.ss. 5-3.5-101 et seqsxx. Effective for covered loans xxxxs offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- 2000 --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed xxxxxd on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 494.0000 et seqxxx. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ga. Code Ann. ss.ss. 7High Cost Xxxx Xxxx 0000 - Xxx. 0, 0000) 0-6A-1 0X-1 et seqsex. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home 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 --------------------- ------------------------------------------------- -------------------------------- (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. - current) Effective for loans closed on loanx xloxxx xn or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective Xxfective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 2000 (prior xrior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan ss.ss. 24-9-1-1 et xxq. Effective for loans orxxxxxted on or after January 1, 2005. --------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ss.ss. 16a-1Consumer 06a-0-101 000 et seq. Consumer 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Rev. StatXxx. ss.ssXxxx. 360.100 xx.xx. 000.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. High Rate High Fee Mortgage 8-101 et sxx. Effective September 29, 1995 and as amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 et High Cost Home Loan seq. Mortgageand 000 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 xxx amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.ss. Home Loan 598D.010 et seq. --------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns ARM Trust 2004-12)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5Covered Loan 0-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending XxxAct, XxGa. Code Ann. ss.ss. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. Xxxx Xxxx Xxxx Xxxx xxxxxxt) 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 000.04 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. -- --- Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ss.ss. Consumer 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id. ss. --- 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. High Cost Home Loan Act, Ky. Lxxx Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. High Rate High Fee Mortgage 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks12 Trust)
et seq. Effective June 2Jxxx 0, 2003 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- District of Columbia Home Loan Protection Act, D.C. Code Covered Loan ss.ss. Covered Loan 26-1151.01 et seq. Effective for Effectixx xxr loans closed on or after January 28, 2003 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ss.sx. 494.0078 et seq. Effective October Xxxxber 2, 2002 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Hoxx Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans Effectxxx fxx xxans closed on or after March 7, 2003 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW ---------------------------- ------------------------------------ ---------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Comp. Stat. tit. 815, ss.ss. 137/5 et seq. Effective January Effectixx Xanuary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Indiana Indiana Home Loan Practices Act, High Cost Home Loans Ind. Code Ann. ss.ss. 24-9-1-1 et seq. Effxxxivx Xxxuary 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Ann. ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 16a-3-207) and; became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee tit. 9-A, ss.ss. 8-101 et seq. MortgageMortgage Xxxxxtive September 29, 1995 and as amended from time to time ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 xx seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Home Loan Stat. ss.ss. 598D.010 et seq. Effectixx Xxtober 1, 2003 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- New Mexico Home Loan Protection Act, N.M. High Cost Home Loan Rev. Stat. ss.ss. 58-21A-1 et seq. Effectixx xx of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- North Carolina Restrictions and Limitations on High Cost Home Loan High Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effectixx Xuly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ------------------------------------ ---------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S12 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and207)and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; High APR Consumer Loan Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- July 1, 1999 --------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. 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 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.
Appears in 1 contract
Samples: Home Equity Loan Purchase Agreement (Home Equity Loan Trust 2004-Hs3)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Stat. Xxx. Covered Loan Stat. Ann. ss.ssxx.xx. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ssxx.xx. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan Code xx.xx. 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 10, 2002 - Georgia Fair Lending Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Code Xxx. xx.xx. High Cost Home Loan 2002 - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Xxx. xx.xx. High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. - current) 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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage--------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004-Ar3)
et seq. Effective June 20, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered Effectixx fox xxxered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqsex. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et 490.0070 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October 1Oxxxbex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans xxx lxxxx 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, 19950005, 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 1Januaxx 0, 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-116a-0-101 001 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. 360.100 et seq. Effective June 2400, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2006-Rz1 Trust)
et seq. Effective June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time -------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Colo. Covered Nev. Rev. Home Loan Stat. Annxx.xx. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia 2003 -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership High Cost Home Loan Protection ActSecurity Act of 2002, D.C. Code ss.ssN.J. Rev. Stat. Covered Loan 26-1151.01 xx.xx. 46:10B-22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending -------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, Fla. Stat. Ann. ss.ss. N.M. High Cost Home Loan 494.0078 Rev. Stat. xx.xx. 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 -------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed applications made on or after March 7April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership -------------------------------------------------------------------------------- Exhibit A-3 -------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti-Predatory Lending Law -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- North Carolina Restrictions and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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 - Limitations on High Cost Home Loan High Cost Home Loan ActLoans, Ky. Rev. N.C. Gen. Stat. ss.ssxx.xx. 360.100 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-S9 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Higx Xosx Xxxe Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending XxxAct, Xx. Ga. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Xxgh Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code High Xx. Xxxx Xxgh Cost Home Loan 7, 2003 - 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 Loan Loxx to Value Consumer ss.ss. 16a-1-101 et seq. Consumer 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 ---------------------------- ---------------------------------------- -------------------------- 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. 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 9-Mortgage A, ss.ss. 8-101 et seq. MortgageEffective 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 of 2002, High Cost 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. 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 Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc4)
et seq. Effective June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 1 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.sx. Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of Columbia 2002, High Cost Home Loan Protection Act, D.C. Code N.J. Rev. Stat. ss.ss. Covered Loan 26-1151.01 46:10B-22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, Fla. N.M. Rev. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed applications made on or after March 7April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Equity Protection Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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 ActLoans, Ky. Rev. N.C. Gen. Stat. ss.ss. 360.100 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks3 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqex xeq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Xxxe Xxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Faxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqsxx. 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 226.34 226.30 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S3 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Xigh Cost Home Loan 494.0078 et seqss.ss.494.0078 ET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ssAnn.ss.ss. 7-6A-1 et seqXX XXX. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ssAnn.ss.ss. 7-6A-1 et seqXX XXX. 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. 1639U.S.C.ss.1639, 12 C.F.R. ss.ss. 226.32 ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage815,ss.ss.137/5 ET SEQ.
Appears in 1 contract
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. Xxx. xx.xx. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ssxx.xx. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ssxx.xx. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. 494.0078 High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Code Xxx. xx.xx. High Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act7, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- N-2 --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ssxx.xx. 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. AnnXxx. xx.xx. High Loan to Value ss.ss. Consumer 16a-1-101 et seq. Consumer 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, xx.xx. High Rate High Fee 9-A, ss.ss. Mortgage 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2005 - AR1)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Code High Cost Home Loan 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code High Cost Home Loan 7, 2003 - current) AnnXxx. ss.ssxx.xx. 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.ssxx.xx. 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.ssxx.xx. 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. AnnXxx. High Loan to Value ss.ssxx.xx. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY ---------------------------------------------------------------------------------------------------------------------- Xxxxxxxx 0000 XX H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. Rev. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 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 9-Mortgage A, ss.ssxx.xx. 8-101 et seq. MortgageEffective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. xx.xx. High Cost Home Loan 32.00 et seq. and 209 C.M.R. xx.xx. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey Rev. Stat. xx.xx. 46:10B 22 et seq. New Jersey Home Ownership Security Act of 2002, N.M. Effective for loans closed on or after November 27, 2003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. xx.xx. High Cost Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-33cb)
et seq. Effective June 2Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for Efxxxtixx xxr covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqxx xxq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 490.0008 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Ga. Code High Cost Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6Xxx. 0, 20030000) Ann. ss.ss. 7-6A-1 et seq. Effective October Effecxxxe Xxxxxer 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans Effecxxxe xxx xoans 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 Effectixx Xxtober 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 Xxxxxry 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. Effxxxivx xxx loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-100a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June Xxxx 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks7 Trust)
et seq. Effective June 2November 7, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2004 ------------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Colo. Covered Loan Nev. Rev. Stat. Annxx.xx. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq598D.010 ET SEQ. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District 2003 ------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of Columbia 2002, High Cost Home Loan Protection Act, D.C. Code ss.ssN.J. Rev. Stat. Covered Loan 26-1151.01 et seqxx.xx. 46:10B-22 ET SEQ. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending ------------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, Fla. Stat. Ann. ss.ss. N.M. Rev. High Cost Home Loan 494.0078 et seqStat. xx.xx. 58-21A-1 ET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 ------------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan 7Effective for applications made on or ------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------------- after April 1, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed ------------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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 ActLoans, Ky. Rev. N.C. Gen. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage1.1E ET SEQ.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He2)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------------- ----------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High Cost Home Loan 494.0078 et seqSEQ. Effective October 2, 2002 ---------------------------------- ----------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, XxGa. Code Ann. Xxxx Xxxx Xxxx Xxxx Xxxx ss.ss. High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq0X-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ----------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Ann. ss.ss. High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 70-6A-1 et seq0X-1 ET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------------- ----------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------------- ----------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January Jaxxxxx 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------- ----------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loans ss.xx. 16a-1-101 et seq. Effectivx Xxxuary 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------------- ----------------------------------------------------- ---------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ss.ss. Consumer 16a-1-101 et seqET SEQ. Consumer Loan (id. 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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ----------------------------------------------------- ----------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2007-S8 Trust)
et seq. Effective June Xxxx 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for Exxxctxxx xor covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqxx xeq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 400.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Ga. Code High Cosx Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6Xxx. 0, 20030000) Ann. ss.ss. 7-6A-1 et seq. Effective October Effexxxve Xxxxber 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for Effexxxve xxx 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 Effectxxx Xctober 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 Xxxxary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. -- --- Effective for loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-106a-1-101 et seq. Consumer Loan (id. sssx. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 High APR Consumer Loan became effective April 14, 1999; (id. ss. 16a-3-308a) 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 Effectivx Xxxe 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qa3 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. AnnXxx. ss.ssxx.xx. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ssxx.xx. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ssxx.xx. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 0000 - Georgia Fair Lending Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Code High Cost Home Loan Mar. 6, 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) AnnXxx. ss.ssxx.xx. 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.ssxx.xx. 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.ssxx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Xxx. xx.xx. 24-9-1-1 et seq. -- --- Effective for loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnXxx. High Loan to Value ss.ssxx.xx. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ssxx.xx. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Home Loan Purchase Agreement (Home Loan Trust 2005-Hi2)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Colo. Stat. Ann. ss.ssss.xx. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ssss.xx. 00a-746 06a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, Covered Loan D.C. Code ss.ssss.xx. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 Ann. xs.xx. 094.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Georgia (Oct. Oct 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. Mar 6, 2003) Georgia Fair Lending Act, Ga. High Cost Home Loan Code Ann. ss.ssxs.xx. 70-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Mar 0, 0000 - Xxxxxxx Xair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Code Ann. ss.ssxs.xx. 70-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssss.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage2002
Appears in 1 contract
et seq. Effective June 2, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered Effectixx fox xxxered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqsex. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et 490.0070 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October 1Oxxxbex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed fxx loxxx xlosed 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 Octxxxx 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 1Januarx 0, 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. High Loan to Value ss.ss. 16a-116a-0-101 001 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 High APR Consumer Loan became effective April 14, 1999; (id. ss. 16a-3-308a) Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage1999
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2005-Rz1 Trust)
et seq. Effective June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time --------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Practices Act Mortgage Loan Mass. Gen. Laws ch. 183C, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 1 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act2004 --------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Conn. Gen. Nev. Rev. Stat. Xxme Loan ss.ss. 00a-746 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia 2003 --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Protection ActAct of 2002, D.C. Code N.J. Rev. Stat. ss.ss. Covered 46:10B- --------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan 26Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------- Name of Anti-1151.01 Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending --------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, Fla. Stat. Ann. ss.ss. N.M. Rev. High Cost Home Loan 494.0078 Stat. ss.ss. 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 --------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003) Ann2003 --------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 724-6A-1 1.1E et seq. Effective July 1, 2000; amended October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - currentadding open-end lines of credit) 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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. -- --- Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Loxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2004-Rz4 Trust)
et seq. Effective June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time --------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, Colo. Covered Loan Statxx.xx. Ann. ss.ss. 5-3.5-101 1 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive 2004 --------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. xx.xx. Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District 2003 --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of Columbia 2002, High Cost Home Loan Protection Act, D.C. Code ss.ssN.J. Rev. Stat. Covered Loan 26-1151.01 xx.xx. 46:10B-22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending --------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, Fla. N.M. Rev. Stat. Ann. ss.ssxx.xx. High Cost Home Loan 494.0078 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx2004 --------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Annxx.xx. ss.ss. 724-6A-1 1.1E et seq. Effective July 1, 2000; amended October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7Category under Applicable State/Jurisdiction Law/Effective Date Anti-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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgagePredatory Lending Law ---------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Nc3)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Loxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RAMP Series 2004-Rz3 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act7, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan 7, 2003 - current) Ann. ss.ssxx.xx. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ssxx.xx. 137/5 et seqET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan xx.xx. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnXxx. High Loan to Value ss.ssConsumer xx.xx. 16a-1-101 et seqET SEQ. Consumer Loan (id. 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-308a) ---------------------------- ---------------------------------------- -------------------------- PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seqET SEQ. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, High Rate High Fee 9-A, ss.ssMortgage xx.xx. 8-101 et seq. MortgageET SEQ.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-Ac1)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for Effectxxx xor loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October Effecxxxe Xxxxxer 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans Effecxxxe xxx xoans 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 Effectixx Xxtober 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 Xxxxxry 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loans ss.ss. 04-9-1-1 et seq. Effectivx Xxxuary 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------------------------------------------------------------------------------------------------- Exhibit B-2 ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Consumer ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-300x-0-207) 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. became effective July 1, 1999 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June Xxxx 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee 9-Mortgage A, ss.ss. 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Residential Asset Securities Corp)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Covered Loan Colo. Stat. AnnXxx. ss.ssxx.xx. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ssxx.xx. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- X-X-6-1 ------------------------------------------------------------------------------------------------------------------ District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan Code xx.xx. 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Xxx. xx.xx. 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Georgia (Oct. Oct 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. Mar 6, 2003) AnnGeorgia Fair Lending Act, Ga. Code High Cost Home Loan Xxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Mar 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) AnnXxx. ss.ssxx.xx. 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 Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 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 Comp. Stat. tit. 815, ss.ssxx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, High Cost Home Loan Ind. Code Xxx. xx.xx. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ssXxx. xx.xx. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 High APR Consumer Loan 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 High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage tit. 9-A, ss.ssxx.xx. 8-101 et seq. MortgageEffective September 29, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R. High Cost Home Loan xx.xx. 32.00 et seq. and 209 C.M.R. xx.xx. 40.01 et seq. Effective March 22, 2001 and amended from time to time ------------------------------------------------------------------------------------------------------------------ Massachusetts Predatory Home High Cost Home Mortgage Loan Practices Act Mass. Gen. Loan Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 ------------------------------------------------------------------------------------------------------------------ Nevada Assembly Xxxx No. 284, Nev. Rev. Home Loan Stat. xx.xx. 598D.010 et seq. Effective October 1, 2003 ------------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership High Cost Home Loan Security Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns ARM Trust 2004-10)
et seq. Effective June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time ------------------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost Home Practices Act Mortgage Loan Mass. Gen. Laws ch. 183C, Colo. Covered Loan Statxx.xx. Ann. ss.ss. 5-3.5-101 1 et seq. ------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June Date Predatory Lending Law ------------------------------------------------------------------------------------------------------------ Effective November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive 2004 ------------------------------------------------------------------------------------------------------------ Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Statxx.xx. ss.ss. 00a-746 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia 2003 ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security High Cost Home Loan Protection ActAct of 2002, D.C. Code ss.ssN.J. Rev. Stat. Covered Loan 26-1151.01 xx.xx. 46:10B- 22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending ------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, Fla. Stat. Ann. ss.ss. N.M. Rev. High Cost Home Loan 494.0078 Stat. xx.xx. 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 ------------------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed applications made on or after March 7April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership ------------------------------------------------------------------------------------------------------------ North Carolina Restrictions and Equity Protection Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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 ActLoans, Ky. Rev. N.C. Gen. Stat. ss.ssxx.xx. 360.100 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Opt1)
et seq. Effective June 2November 7, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2004 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Xxxx No. 284, Colo. Covered Loan Nev. Rev. Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Statxx.xx. ss.ss. 00a-746 et seq598D.010 ET SEQ. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of Columbia 2002, High Cost Home Loan Protection Act, D.C. Code ss.ssN.J. Rev. Stat. Covered Loan 26-1151.01 et seqxx.xx. 46:10B-22 ET SEQ. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, Fla. N.M. Rev. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seqxx.xx. 58-21A-1 ET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed applications made on or after March 7April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Equity Protection Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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 ActLoans, Ky. Rev. N.C. Gen. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage1.1E ET SEQ.
Appears in 1 contract
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Stat. Covered Loan StatXxx. Ann. ss.ssxx.xx. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ssxx.xx. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ District of Columbia Home Loan Protection Act, D.C. Code ss.ssxx.xx. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx High Cost Home Loan Mar. 6, 2003) Ann. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Xxx. High Cost Home Loan 7, 2003 - current) Ann. ss.ssxx.xx. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 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.ssxx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Xxx. xx.xx. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnXxx. xx.xx. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became 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.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, ss.ssxx.xx. 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qs7 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 2003 - current) Georgia Fair Lending Act, Ga. Code Xxx. High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7ss.7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan Act of 1994, 15 U.S.C. ss. 1639ss.1639, 12 C.F.R. ss.ss. 226.32 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 seqss.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. AnnXxx. High Loan to Value ss.ss. 16a-1ss.16a-1-101 et seqET SEQ. Consumer Loan (id. ss. 16a-3-207ID.ss.16a3207) and; Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan effective April 14, 1999; Section (ID.ss.16a3308a) 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 Rate High Fee Mortgage Act, Ky. Rev. Stat. ss.ss. 360.100 et seqss.360.100 ET SEQ. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Cost Home Loan 9-A, ss.ssss. 8-101 et seqET SEQ. MortgageEffective September 29, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------------------------------- L-7-2
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac4)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqex xeq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Xxxe Xxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Faxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqsxx. 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 226.34 226.30 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S9 Trust)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 Oklahoma Consumer Equity ProtectionCredit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, Colo. Covered 2000; amended effective January 1, 2004 South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan StatLoans Act, S.C. Code Xxx. Ann. ss.ss. 5Sections 37-3.523-101 10 et seq. Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the Act took effect on June 70000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home West Virginia Mortgage Loan Lending High Cost Home Loan Practices Broker and Servicer Act, Conn. Gen. StatW. Va. Code Xxx. ss.ss. 00a-746 Act Loan Sections 31-17-1 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Code Xxx. Covered Loan - Mar. 6, 2003) Ann. ss.ss. Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of Covered Home Loan 72002, N.J. Rev. Stat. Sections 46:10B-22 et seq. Effective November 27, 2003 - currentJuly 5, 2004 STANDARD & POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------------------- --------------------------- Georgia (Oct. 1, 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Home Loan - Mar. 6, 2003) Ann. ss.ss. Sections 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- March 6, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage0000
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Fre1)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Q-1 ---------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Code High Cost Home Loan 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act7, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code High Cost Home Loan 7, 2003 - current) AnnXxx. ss.ssxx.xx. 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.ssxx.xx. 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.ssxx.xx. 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. AnnXxx. High Loan to Value ss.ssConsumer xx.xx. 16a-1-101 et seq. Consumer 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 ss. 16a-3-308a) 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage----------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2006-3)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxxq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. -- --- Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. -- --- Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Cosx Xomx Xxxn 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xxst Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsex. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqsex. 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 Loan to Value Valxx ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qo4 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 00x-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Loax 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xxan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans 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 Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (Residential Asset Securities Corp)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act7, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan 7, 2003 - current) Ann. ss.ssxx.xx. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ssxx.xx. 137/5 et seqET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan xx.xx. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnXxx. High Loan to Value ss.ssConsumer xx.xx. 16a-1-101 et seqET SEQ. Consumer Loan (id. 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seqET SEQ. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -----------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns ARM Trust, Series 2005-1)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. Covered Xxan ss.ss. 5-3.5-101 et seqxxx. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seqsxx. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. Covered Loan 26-1151.01 et seqex xxx. Effective for loans closed on or after January 28, 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 --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Xxgh Xxxx Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Fxxx Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. High Xxxt Xxxx Xxxx Xxxx Xxxx Loan 2002 - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. High Cxxx Hxxx Xoan (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 Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Hxxx Loan ss.ss. 24-9-1-1 et xxx. Effective for loans originated on or after January 1, 2005. --------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. Higx Loax xx Value Consumer 16a-1-101 et seq. Consumer 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 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Homx Xxxx Xxx, Xx. Xxxx Xxxx Xxxx Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seqsxx. Effective June 24, 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 --------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. High Rate Hxxx Xee Mortgage 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac7)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 ----------------------------------------------------------------------------------------------- Oklahoma Consumer Equity ProtectionCredit Code Subsection 10 Mortgage (codified in various sections of Title 14A) Effective July 1, Colo. Covered 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and High Cost Home Loan Stat. Consumer Home Loans Act, S.C. Code Ann. ss.ssxs.xx. 507-3.523-101 10 et seq. Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the 2004 ----------------------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Servicer Act, Conn. Gen. StatW. Va. Code Ann. ss.ssxs.xx. 00a-746 01-17-1 et seq. Effective October June 5, 2002 ----------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------- Georgia (Oct 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act2002 - Mar 6, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida 2003) Georgia Fair Lending Act, Fla. Stat. Ga. Covered Loan Code Ann. ss.ssxs.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 70-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost ----------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan 7Security Act of 2002, 2003 - current) AnnN.J. Rev. Stat. ss.ssss.xx. 7-6A-1 46:10B-22 et seq. Effective for loans closed on or after March 7November 27, 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- July 5, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage----------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION
Appears in 1 contract
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act7, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan 7, 2003 - current) Ann. ss.ssxx.xx. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ssxx.xx. 137/5 et seqET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan xx.xx. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnXxx. High Loan to Value ss.ssConsumer xx.xx. 16a-1-101 et seqET SEQ. Consumer Loan (id. ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became -------------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan (ID. ss. became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seqET SEQ. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, High Rate High Fee 9-A, ss.ssMortgage xx.xx. 8-101 et seq. MortgageET SEQ.
Appears in 1 contract
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Code High Cost Home Loan 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act7, Ga. 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code High Cost Home Loan 7, 2003 - current) AnnXxx. ss.ssxx.xx. 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.ssxx.xx. 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.ssxx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Xxx. xx.xx. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. AnnXxx. High Loan to Value ss.ssxx.xx. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 -------------------------------- became effective April 14, 1999; High APR Consumer Loan Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY July 1, 1999 --------------------------------------------------------------------------------------------------------------------- Xxxxxxxx 0000 XX H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ssxx.xx. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Nc4)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Covered Loan 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High Cost Home Loan 494.0078 Cosx Xomx Xxxn et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending XxxAct, XxGx. Xxxx Xxx. xx.xx. Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003Xxst Home Xxan 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Xx. Xxxx Xxx. xx.xx. Xxxx Xxst Home Loan 7, 2003 Xxan - currentxxrrent) 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 Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. -- --- Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ss.ss. Xxlux Xxxsumer 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id. ss. --- 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Xxxx Xxxx Xxxx Xxxx Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. High Rate High Fee Morxxxxx 8-101 et seq. MortgageEffective September 29, 1995 and as amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 et High Cost Hxxx Xoan seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 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-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks10 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Higx Xosx Xxxe Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending XxxAct, Xx. Ga. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Xxgh Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code High Xx. Xxxx Xxgh Cost Home Loan 7, 2003 - 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 Loan Loxx to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 0000 XX X.X. 000 - High Cost Home Loan High Cost Home Loan ActXxxx Xxxx Xxxx Xxxx Xct, Ky. Rev. 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 9-Mortgage A, ss.ss. 8-101 et seq. MortgageEffective 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 Rev. Stat. ss.ss. 46:10B 22 et seq. High Cost Home Loan Effective for loans closed on or after November 27, 2003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home 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 Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc6)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxx sex. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. Covered Loan 26-1151.01 et seqsxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. High Cxxx Home Loan ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. High Cost Home Loan - Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et seqxxx. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Code Ann. ss.ss. 7-6A-1 et seqxxx. xxxxxnt) 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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage----------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effective June Xxxx 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for Exxxctxxx xor covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqxx xeq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 004.0000 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Ga. Code High Cosx Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6Xxx. 0, 20030000) Ann. ss.ss. 7-6A-1 et seq. Effective October Effexxxve Xxxxber 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for Effexxxve xxx 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 Effectxxx Xctober 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 Xxxxary 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-106a-1-101 et seq. Consumer Loan (id. sssx. 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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qa13 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan Loax 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - 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) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effective June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 1 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June November 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 598D.010 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Protection ActAct of 2002, D.C. Code N.J. Rev. Stat. ss.ss. Covered 46:10B O-3 Standard & Poor's High Cost Loan 26Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-1151.01 Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, Fla. Stat. Ann. ss.ss. N.M. Rev. High Cost Home Loan 494.0078 Stat. ss.ss. 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003) Ann2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 724-6A-1 1.1E et seq. Effective July 1, 2000; amended October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - currentadding open-end lines of credit) 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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- 0000 ------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Stat. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et 1151.00 xx seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 000.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, XxGa. Code Ann. Xxxx Xxxx Xxxx Xxxx Xxxx 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) Ann. ss.sssx.xs. 7-6A-1 et seq. Effective for loans closed loaxx xxosed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act 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 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 ss.ss. 16a-100x-1-101 000 et seq. Consumer Loan (id. ss. 16a-3-207) and; 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 2420, 2003 ---------------------------- ---------------------------------------- -------------------------- 0003 ------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, ss.ss. 8-101 et seq. MortgageEffective 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 High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------ Ohio H.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qs10 Trust)
et seq. Covered Loxx Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Covered Loax 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices Act, High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Covered Xxxx Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Xxxh Xxxx Home Loan Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et seq. High Cxxx Hxxx Xoan Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. High Cxxx Hxxx Xoan current) 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 High Cost Loan U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. High Risk Home Loan 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. ss.ss. High Cost Home Xxan 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------- ---------------------------------------------------------- --------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et High Xxan xx Xalue Consumer L 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. Xxx. Xxxx Xxxx Xxxx Xxxx Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et High Rate High Xxx Mortgage seq. MortgageEffective 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 seq. and 209 Higx Xxxt Home Loan C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time --------------------------------------- ---------------------------------------------------------- --------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------------------------- ---------------------------------------------------------- --------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.sx. 098D.010 et Home Loan seq. Effective October 1, 2003 --------------------------------------- ---------------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. High Cost Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------- ---------------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. 58-21A-1 et High Cost Homx Xxxn seq.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2005-Ks2 Trust)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 -------------------------------------------------------------------------------- Oklahoma Consumer Equity ProtectionCredit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective July 1, Colo. Covered 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and High Cost Home Loan Stat. Consumer Home Loans Act, S.C. Code Ann. ss.ss. 5§§ 37-3.523-101 10 et seq. Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the 2004 -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Servicer Act, Conn. Gen. StatW. Va. Code Ann. ss.ss. 00a-746 §§ Loan 31-17-1 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. Covered Loan - Mar. 6, 2003) Code Ann. ss.ss. §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act-------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, Ga. Code N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home Loan 7Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 - current(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. 7§§ 37-6A-1 23-10 et seq. Effective for loans closed taken on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage-------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF NOTES Notes
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (MortgageIT Trust 2004-1)
et seq. Effective June 2, 2003 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 100 et seqxxx. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seqsxx. Effective October 1, 2001 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. Covered Loan 26-1151.01 et seqex xxx. Effective for loans closed on or after January 28, 2003 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. High Cost Hxxx Loan ss.ss. High Cost Home Loan 494.0078 et seqxxx. Effective October 2, 2002 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- Georgia Georgia Fair Lending Act, Ga. High Cost Home Loan (Oct. Oct 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. Mar 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar 7, 2003 - current) Code Ann. ss.ss. 7-6A-1 et seqxx sex. Effective for loans closed on or after March 7, 2003 --------------------------------- ------------------------------------ ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection 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 Act, Ill. Comp. High Risk Home Loan Comp. Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage--------------------------------- ------------------------------------ ----------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Peoples Choice Home Loan Securities Trust Series 2004-2)
et seq. Effective June 2, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered Effectivx xor xxxxred loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seqxx xeq. Standard & Poor's High Cost Loan Categorization ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti-Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Xxxx Xxx. 0, Xx0000) Xxx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ssxs.ss. 7-6A-1 et seq. Effective October 1Oxxxbex 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed fxx loxxx xlosed 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 Octxxxx 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 10, 2004 0004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 001 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 High APR Consumer Loan 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 2400, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2006-5ar)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans fxx xxans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 ss.ss. 004.0078 et seq. Effective October Octxxxx 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- EXHIBIT B-2 ---------------------------- ---------------------------------------- --------------------------- 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 High Cost Home Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October 1Xxxobxx 0, 2002 - March 6, 6 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans xxx lxxxx 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 Ocxxxxx 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 1Januaxx 0, 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-116a-0-101 001 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 --------------------------- became effective April 14, 1999; High APR Consumer Loan Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- --------------------------- EXHIBIT B-3
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Emx9 Trust)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 ------------------------------------------------------------------------------ Oklahoma Consumer Equity ProtectionCredit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective July 1, Colo. Covered 2000; amended effective January 1, 2004 ------------------------------------------------------------------------------ South Carolina South Carolina High Cost and High Cost Home Consumer Home Loans Act, S.C. Code Loan Stat. Ann. ss.ss. 537-3.523-101 10 et seq. Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the Act took effect on June 72004 ------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Lender, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Broker and Servicer Act, Conn. Gen. StatW. Mortgage Loan Act Va. Code Ann. ss.ss. 00a-746 31-17-1 Loan et seq. Effective October 1June 5, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. 2002 ------------------------------------------------------------------------------ Standard & Poor's Covered Loan 26Categorization --------------------------------------------- Category under Applicable Anti- Name of Anti-1151.01 et seq. Predatory Lending Predatory Lending State/Jurisdiction Law/Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Date Law ------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxxxxx Xxxx Xxxx Xxxx Xxxx Mar. 6- Xxx. 0, 20030003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 ------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership and Equity Protection High Cost Security Covered Home Loan Act of 19942002, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. 360.100 46:10B 22 et seq. Effective June 24Effectivx November 27,2003 - July 5, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage2004 Standard & Poor's Home Loan Categorization ------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-4cb)
et seq. Effective June 2November 7, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2004 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Xxxx No. 284, Colo. Covered Loan Nev. Rev. Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Statxx.xx. ss.ss. 00a-746 et seq598D.010 ET SEQ. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of Columbia 2002, High Cost Home Loan Protection Act, D.C. Code ss.ssN.J. Rev. Stat. Covered Loan 26-1151.01 et seqxx.xx. 46:10B-22 ET SEQ. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, Fla. N.M. Rev. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seqxx.xx. 58-21A-1 ET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Xxx2004; Revised as of February 26, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed applications made on or after March 7April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Equity Protection Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-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 ActLoans, Ky. Rev. N.C. Gen. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage1.1E ET SEQ.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-Ac1)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Xxgh Xxxx Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Georgix Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xxgh Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seqsex. Effective October 1, 2002 - March 6, 6 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqsex. 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 Loan Loxx to Value Consumer ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- High APR Consumer Loan (id. ss. -- 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee 9-Mortgage A, ss.ss. 8-101 et seq. Mortgage.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Ks7 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Stat. Covered Loan StatXxx. Ann. ss.ssxx.xx. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ssxx.xx. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ District of Columbia Home Loan Protection Act, D.C. Code ss.ssxx.xx. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx High Cost Home Loan Mar. 6, 2003) Ann. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Xxx. High Cost Home Loan 7, 2003 - current) Ann. ss.ssxx.xx. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ssxx.xx. 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.ssxx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Xxx. xx.xx. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnXxx. xx.xx. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became 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.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, ss.ssxx.xx. 8-101 et seq. MortgageEffective September 29, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R. xx.xx. 32.00 High Cost Home Loan et seq. and 209 C.M.R. xx.xx. 40.01 et seq. Effective March 22, 2001 and amended from time to time ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 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 Act High Cost Home Loan of 2002, N.J. Rev. Stat. xx.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. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------ Ohio H.
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qs4 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans fxx xxans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 ss.ss. 004.0078 et seq. Effective October Octxxxx 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------- EXHIBIT B-2 ---------------------------- ---------------------------------------- --------------------------- 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 High Cost Home Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October 1Xxxobxx 0, 2002 - March 6, 6 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans xxx lxxxx 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 Ocxxxxx 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 1Januaxx 0, 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-116a-0-101 001 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 --------------------------- became effective April 14, 1999; High APR Consumer Loan Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-9- A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- --------------------------- EXHIBIT B-3
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2006-Emx8 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Ga. Code High Cost Home Loan Mar. 6, 2003) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) AnnXxx. ss.ssxx.xx. 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.ssxx.xx. 226.32 and 226.34 ------------------------------------------------------------------------------------------------------------ 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 October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ssxx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Xxx. xx.xx. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. AnnXxx. High Loan to Value ss.ssxx.xx. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; High APR Consumer Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. July 1, 1999 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ssxx.xx. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee 9-A, ss.ssxx.xx. 8-101 et seq. Mortgage
Appears in 1 contract
Samples: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Opt1)
et seq. Effective June Effectivx Xxxe 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective Xxxecxxxx for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 0000.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending XxxAct, Xx. Ga. Code Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6Xxx. 0, 20030000) Ann. ss.ss. 7-6A-1 et seq. Effective October Effxxxivx Xxxober 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for Effxxxivx xxx 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 Effexxxxx 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 Xxxuary 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. Exxxctxxx xor loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan Xxxx (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. 360.100 et seq. Effective June Effectixx Xxne 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective Novxxxxx 7, 2004 ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effectxxx Xctober 1, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effecxxxx as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qa6 Trust)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 Oklahoma Consumer Equity ProtectionCredit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, Colo. Covered 2000; amended effective January 1, 2004 South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan StatLoans Act, S.C. Code Xxx. Ann. ss.ss. 5Sections 37-3.523-101 10 et seq. Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the Act took effect on June 70000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home West Virginia Mortgage Loan Lending High Cost Home Loan Practices Broker and Servicer Act, Conn. Gen. StatW. Va. Code Xxx. ss.ss. 00a-746 Act Loan Sections 31-17-1 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2June 5, 2002 ---------------------------- ---------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Anti-Predatory Lending Law ------------------ -------------------------- -------------------------- Georgia (Oct. 1, 2002 0000 - Georgia Fair Lending Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Code Xxx. Sections Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of 2002, Ga. Code High Cost Covered Home Loan 7N.J. Rev. Stat. Sections 46:10B-22 et seq. Effective November 27, 2003 - currentJuly 5, 2004 STANDARD & POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Anti-Predatory Lending Law ------------------ -------------------------- -------------------------- Georgia (Oct. 1, 0000 - Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Home Loan Mar. 6, 2003) 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- March 6, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage0000
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Merrill Lynch Mortgage Investors Trust Series 2006-A3)
et seq. Effective June 2March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effexxxxx October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive New Jersey New Jersey Home Loan Lending Ownership Security Act High Cost Home Loan Practices Actof 2002, Conn. Gen. N.J. Rev. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 46:10B-22 et seq. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, Fla. Stat. Ann. ss.ss. N.M. Rev. High Cost Home Loan 494.0078 Stat. ss.ss. 58-21A-1 et seq. Effective October 2Exxxxxive as of January 1, 2002 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan 7Cost Home Loans, 2003 - current) AnnN.C. Gen. Stat. ss.ss. 724-6A-1 1.1E et seq. Effective for loans closed on or after March 7July 1, 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 2000; amended 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 2003 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage--------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qs18 Trust)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Coverxx Loxx 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seqsxx. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan Loax 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High 494.0070 Xxxx Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- M-E-7-1 --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Lxxxxxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, Xxx. xx.xx. Hixx Coxx Xxme Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 Georgia Fair Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Xxxh Xxxx Home Loan - 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 Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Xxme Loan ss.ss. 24-9-1-1 et xxx. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan ss.ss. Hxxx Xxxx to Value ss.ss. Consumer 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Homx Xxxx Xxx, Xx. Xxxx Xxxx Xxme Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seqsxx. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. High Ratx Xxxh Fee Mortgage 8-101 et seq. MortgageM-E-7-2 Effective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Fr3)
et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Covered Loan 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High Cost Home Loan 494.0078 Cosx Xomx Xxxn et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending XxxAct, XxGx. Xxxx Xxx. xx.xx. Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003Xxst Home Xxan 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Ga. Code High Cost Xx. Xxxx Xxx. xx.xx. Xxxx Xxst Home Loan 7, 2003 Xxan - currentxxrrent) 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 Act of High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ss.ss. Xxlux Xxxsumer 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Xxxx Xxxx Xxxx Xxxx Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. High Rate High Fee Morxxxxx 8-101 et seq. MortgageEffective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2005-46cb)
et seq. Effective June 2May 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado 2002 ----------------------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Equity ProtectionCredit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, Colo. Covered 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, High Cost Home Loan Stat. S.C. Code Ann. ss.ss. 537-3.523-101 10 et seq. Effective for covered loans offered or entered into taken on or after January 1, 2003. Other provisions of the 2004 ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Servicer Act, Conn. Gen. Stat. ss.ss. 00a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. W. Va. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 31-17-1 et seq. Xxan Effective October 2June 5, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending XxxAct, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003Xxx. xx.xx. 0-0X-0 xx Xovered Xxxn 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Ga. Code High Cost N.J. Covered Home Loan 7, 2003 - 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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 46:10B-22 et seq. Effective June 24November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending- July 5, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage2004 -----------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oa16)
et seq. E-7-4 STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------------- Effective June 2March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time ------------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Colo. Covered Loan StatNex. AnnRev. Stat.ss.ss. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 et seqXxxx Xxxn 598D.010 ET SEQ. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District 2003 ------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of Columbia 2002, High Cost Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqN.J. Rev. Stat.ss.ss.46:10B-22 ET SEQ. Effective for loans closed on or after January 28November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending ------------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, Fla. StatN.M. Rev. Stat.ss.ss. AnnXxxx Xxxx Home Loan 58-21A-1 ET SEQ. ss.ss. 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 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. for applications made on or after April 1, 2002 - Georgia Fair Lending Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code ------------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan 7Loans, 2003 - current) Ann. ss.ss. 7N.C. Gen. Stat.ss.ss.24-6A-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 Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage1.1E ET SEQ.
Appears in 1 contract
Samples: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He6)
et seq. Effective June 20, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 00a-746 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seqsxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Homx Xxxx Xxx. 0, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Mar. 6, 20030000) AnnXxx. ss.ss. 7-6A-1 et seq. Effective October 1Xxxobxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans xxr xxxxx 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 Xxxxxer 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 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. Effectivx xor xxxxs originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-116a-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. 360.100 et seq. Effective June 2400, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. MortgageMortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 xx seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 0004 ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective Octxxxx 1, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as xx Xanuary 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RASC Series 2004-Ks11 Trust)
