et seq. Effective Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. 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 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 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. 00x-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 Jxxx 0October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan Practices Act, Conn. Gen. Stat- current) xx.xx. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 267-1151.01 ex xxx6A-1 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 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0Home Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0Effectxxx Xune 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx Xffxxxxxe for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxx1151.00 xt seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx 000.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr Exxxctxxx Xctober 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. Effectxxx fxx xxans Exxxctxxx xor 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 Effectivx Xxxober Effxxxxxe 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 Jxxxxxy Effectixx Xanuary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Home Loan Practices Act, Ind. Indiana Code Ann. ss.ss. 24-9-1-1 et seq. High Cost Home Loaxx Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ssss.xx. 00x-116a-1-101 et seq. Consumer Loan (id. ssxx. 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 (RALI Series 2006-Qs18 Trust)
et seq. Effective Jxxx Junx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx covered loans Effective for xxvexxx xoans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex et xxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx 000.0000 xt seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Hoxx Xxxx Xxx. 0, 0000) XnnXxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr Effective Octobxx 1, 2002 0000 - 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. Effectxxx fxx xxans 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 Effectivx Xxxober 1Effective October 0, 19950995, 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 Jxxxxxy 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. 00x-116x-0-101 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 24Juxx 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 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2006-Qa3 Trust)
et seq. Effective Jxxx 0Mxxxx 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. Effxxxivx xxx covered loans offered or entered into on or after January Effective 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. 36a-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 ex xxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000credit) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans 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 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. Anti-Predatory Lending Law/Effective Jxxxxxy 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. 00x-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. M-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 Jxxx 0March 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. 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. 36a-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 ex xxxN.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 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. for applications made on or after April 1, 2002 - Georgia Fair Lending Act, Ga. Code 2003 ------------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Home High Cost Home Loan 7Loans, 2003 - current) Ann. ss.ss. 7N.C. Gen. Stat.ss.ss.24-6A-1 et seq. 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 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 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. 00x-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 Jxxx 0June 2, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet sex. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 490.0070 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Home Xxxx Xxx. 0, 0000) XnnXxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1Effective Oxxxbex 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. Effectxxx Effective fxx xxans closed 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 Effectivx Xxxober Effective 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 Jxxxxxy 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. 00x-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqex xeq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Xxxe Xxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActFaxx Xxxxxxx Xxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Xxxx Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seqsxx. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Xigh Cost Home Loan 400.0000 xx 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 Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0Home Loan Mar. 6, 00002003) Xnn. ss.ssAnn.ss.ss. 7-6A-1 et seqXX XXX. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 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. 00x-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Covered Loxx 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home 494.0078 Hxxx Cxxx Xome Loan 400.0000 xx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending ActLexxxxx Xxx, Ga. Code High Cost Xxxx Xx. Xxxx Xxx. 0, 0000xx.xx. Xigh Cost Xxme Xxxx 2003) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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 Lxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Xigh Cost Xxme Xxxx - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1High Loax to Xxxxe 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 August 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 ActLoxx Xxx, Ky. Xx. 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 Xxx Xortgage 8-101 et seq. MortgageEffective September 29, 1995 and as amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RFMSI Series 2006-S8 Trust)
et seq. Effective Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Xxxx Xxxh Cost Xxxx Xxxx Xxx. 0, 0000Home Loan 2003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June ------------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan 2003 - current) Georgia Fair Lending Act, Ga. Code Xxx. High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26ss.7-1151.01 ex xxx6A-1 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 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-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. 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 Jxxx 0March 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. 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. 36a-746 et seqXxxx Xxxx 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 ex xxxN.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. AnnHxxx Xxxx Xome 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 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. for applications made on or after April 1, 2002 - Georgia Fair Lending Act, Ga. Code 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Home High Cost Home Loan 7Loans, 2003 - current) Ann. ss.ss. 7N.C. Gen. Stat.ss.ss.24-6A-1 et seq. 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 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 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. 00x-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-Fr1)
et seq. Effective Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Covered Loan 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx Xxme Xxxx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, xx.xx. Xxxx Xxxt Home Xxxn 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Vxxxe 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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Covered Loan 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx Cosx Xomx Xxxn et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Xxxx Gx. Xxxx Xxx. 0, xx.xx. Xxxx Xxst Home Xxan 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Xxlux 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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. Xxx. xx.xx. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Xxxx Xxxx Xxx. 0, 0000Home Loan 2003) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 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 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. 00x-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-Ar4)
et seq. Effective Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code High Cost Xxxx Xxxx Home Loan 2003) Xxx. 0, 0000) Xnn. ss.ssxx.xx. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0Home Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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: Loan Purchase Agreement (Home Equity Loan Trust 2004-Hs3)
et seq. Effective Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 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 ActGeorgix Xxxx Xxxxxxx Xxx, Ga. Code High Xx. Xxxx Xxgh Cost Xxxx Xxxx Xxx. 0Home Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seqsex. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado ------------------------------------------------------------------------------------ Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx Efxxxtixx xxr Colorado covered loans offered or entered into on or after January Jan. 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut ------------------------------------------------------------------------------------ Connecticut Abusive Home Loan Lending High Cost Home Loan Connecticut Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October Xxx. 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia ------------------------------------------------------------------------------------ Home Loan Protection Act, D.C. Code District of Columbia ss.ss. Covered Loan 26-1151.01 ex xxxet seq. Effective for Effectxxx xor loans closed on or after January Jan. 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida ------------------------------------------------------------------------------------ Fair Lending Act, Fla. Stat. Ann. Florida ss.ss. High Cost Home Loan 400.0000 xx 494.0078 et seq. Effective October Effectivx Xxx. 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------ Georgia Fair Lending Act, Ga. Code Ann. Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. Marcx 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr Effective Xxx. 1, 2002 - 2003) 2002-March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. ------------------------------------------------------------------------------------ Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. Georgia as amended ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans Effective xxx xoans (March 7, 2003 - current) 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. HOEPA Section 32 ss.ss. 226.32 and 226.34 Effectivx Xxxober 226.34. Effectxxx Xct. 1, 1995, amendments October Oct. 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois ------------------------------------------------------------------------------------ High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective Jxxxxxy Ixxxxxis Jan. 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. 00x-116a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1Sectionx 00x-1-301 Kansas 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 Kentucky 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. MortgageEffective Mxxxx Sept. 29, 1995, and as amended from time to time ------------------------------------------------------------------------------------ Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 Massachusetts et seq. and 209 ------------------------------------------------------------------------------------ O-1
Appears in 1 contract
Samples: Pooling and Servicing Agreement (BellaVista Funding CORP)
et seq. Effective Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 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 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Loax 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActAxx, Ga. Code High Cost Xx. Xxxx Xxxx XxxXxxx Xxxx Xxxx Xar. 06, 00002003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Xxxx Xxxh Cost Xxxx Xxxx Xxx. 0, 0000Home Loan 2003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Colo. Covered Loan Nev. Rev. Stat. Ann. Home Loan ss.ss. 5-3.5-101 598D.010 et seq. Effxxxivx xxx covered loans offered or entered into on or after January Effectivx Xxxober 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Loan Lending Ownership Security High Cost Home Loan Practices ActAct of 2002, Conn. Gen. N.J. Rev. Stat. ss.ss. 36a-746 46:10B-22 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxx. 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 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) XnnStat. ss.ss. 758-6A-1 21A-1 et seq. Effectxxx Oxxxxxr Effectivx xx of January 1, 2002 - March 2004; Revised as of February 26, 2004 ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code -1 High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans closed Effective for applications made on or after March 7April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership ---------------------------------------------------------------------------------------------------------------------- Exhibit B-3 ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date 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 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 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. 00x-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 (Residential Asset Securities Corp)
et seq. Effective Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Xxxx Xxgh Cost Xxxx Xxxx Xxx. 0, 0000Home Loan 2003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxx sex. Effxxxivx xxx 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. 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 ex xxxet sxx. 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0Home Loan - Mar. 6, 00002003) XnnCode Ann. ss.ss. 7-6A-1 et seqxxx. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 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 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. 00x-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 Jxxx 0Xxxx 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxxx xeq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx 004.0000 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Cosx Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-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 Jxxx 0March 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. Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions ------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ Category under Name of the Act took effect on June Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective 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. 36a-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 ex xxxxx.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 400.0000 xx Stat. xx.xx. 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Act2004; Revised as of February 26, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 72004 ------------------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans closed Effective for 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 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 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. 00x-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx -- --- Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 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 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Loxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Xxxx Xxxx Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 494.0078 xx seqxeq. 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 Xxxx Home Xxxx Xxx. 0, 0000) XnnXxx. ss.ssxs.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1Effective Oxxxbex 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. Effectxxx Effective fxx xxans closed 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 Effectivx Xxxober Effective 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 Jxxxxxy 1January 0, 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. 00x-116a-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 Jxxx 0March 22, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Colo. Covered Loan StatNex. Ann. ss.ss. 5-3.5-101 et seq. 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 Rev. Stat.ss.ss.Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-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.ss. Covered Loan 26-1151.01 ex xxxN.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. Stat. Ann. ss.ss. N.M. Rev. Stat.ss.ss.High Cost Home Loan 400.0000 xx seq58-21A-1 ET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Act2004; Revised as of February 26, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 72004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans closed Effective for 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 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 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. 00x-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. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9N.C. Gen. Stat.ss.ss.24-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-He7)
et seq. Effective Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Stat. Xxx. Covered Loan Stat. Ann. ss.ssxx.xx. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 10, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Home Loan 2002 - Georgia Fair Lending ActMar. 6, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 00002003) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans - 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 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 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. 00x-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. AnnXxx. ss.ssxx.xx. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 0000 - Georgia Fair Lending ActXxxxxxx Xxxx Xxxxxxx Xxx, Ga. Xx. Code High Cost Xxxx Xxxx Home Loan Mar. 6, 2003) Xxx. 0, 0000) Xnn. ss.ssxx.xx. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxxx xxq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx 490.0008 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-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 Jxxx 0Xxxx 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxxx xxq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx 490.0008 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy Xxxxxry 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. 00x-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 (RALI Series 2006-Qs4 Trust)
et seq. Effective Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5Covered Loan 0-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. Xxxx Xxxx Xxxx Xxxx 0000) 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Consumer 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 Jxxx 0, 2003 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxxet 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 400.0000 xx ss.sx. 494.0078 et seq. Effective October Xxxxber 2, 2002 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Hoxx Xxxx Xxx. 0, 0000) XnnXxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 --------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- --------------------------- ------------------------------------- ---------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxx sex. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Xxme Xxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActFaxx Xxxxxxx Xxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Home Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seqxxx. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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. Effective Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 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 Xxxx Home Xxxx Xxx. 0, 0000) XnnXxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1Effective Xxxobxx 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. Effectxxx fxx xxans Effective 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 Effectivx Xxxober Effective 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 Jxxxxxy 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. 00x-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 Jxxx 0Xxxx 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxxx xeq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx 400.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Cosx Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. Covered Xxan ss.ss. 5-3.5-101 et seqxxx. Effxxxivx xxx 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. 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 ex 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActFxxx Xxxxxxx Xxx, Ga. Code High Cost Xxxx Xx. Xxxx Xxx. 0xx.xx. High Xxxt Xxxx Loan 2002 - Mar. 6, 00002003) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans - 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Higx 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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Stat. Covered Loan StatXxx. Ann. ss.ssxx.xx. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx. High Cost Xxxx Xxxx Xxx. 0Home Loan Mar. 6, 00002003) Xnn. ss.ssxx.xx. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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.B. 386 (codified in various sections Covered Loan of the Ohio Code), Ohio Rev. Code Xxx. xx.xx. 1349.25
Appears in 1 contract
Samples: Assignment and Assumption Agreement (RALI Series 2005-Qs4 Trust)
et seq. Effective Jxxx 0Xxxx 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxx1100.00 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 400.0000 xx 094.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code High Cost Xxxx Xxxx Home Loan 2003) Xxx. 0, 0000) Xnn. ss.ssxx.xx. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan Practices Act, Conn. Gen. Stat- current) xx.xx. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 267-1151.01 ex xxx6A-1 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 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Consumer 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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. Xxx. xx.xx. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Xxxx Xxxx Xxx. 0, 0000Home Loan 2003) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Consumer 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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx seqet SEQ. Effective October 2, 2002 ---------------------------------- ----------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. 7High Cost Home Loan Mar. 6, 2003) 0-6A-1 et seq0X-1 ET SEQ. Effectxxx Oxxxxxr 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) Ann0-0X-1 ET SEQ. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Consumer 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 Jxxx June 0, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxxet sxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Homx Xxxx Xxx. 0, 0000) XnnXxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1Effective Xxxobxx 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. Effectxxx fxx xxans Effective 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 Effectivx Xxxober Effective 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 Jxxxxxy 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. 00x-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)
et seq. Effective Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxxq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Hxxx Lxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActFaix Xxxxxxx Xxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Xxxx Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seqsex. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 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 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Loxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Xxxx Xxxx Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan Practices Act, Conn. Gen. Stat- current) xx.xx. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 267-1151.01 ex xxx6A-1 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 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx June 0, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet sex. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 490.0070 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Home Xxxx Xxx. 0, 0000) XnnXxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1Effective Oxxxbex 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. Effectxxx fxx xxans Effective 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-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 Jxxx 0March 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. 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. 36a-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 ex xxxxx.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 400.0000 xx Rev. Stat. xx.xx. 58-21A-1 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Act2004; Revised as of February 26, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 72004 -------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans closed Effective for 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 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 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. 00x-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 Jxxx 0November 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. 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. Statxx.xx. ss.ss. 36a-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 ex xxxxx.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 400.0000 xx seqxx.xx. 58-21A-1 ET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Act2004; Revised as of February 26, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 72004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans closed Effective for 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 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 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. 00x-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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. Effective for loans closed on or after January 28, 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 ------------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 400.0000 xx seq494.0078 et SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx. xx.xx. High Cost Xxxx Xxxx Xxx. 0Home Loan Mar. 6, 00002003) Xnn. ss.ss. 7-6A-1 et seqET SEQ. Effectxxx Oxxxxxr 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 seqET SEQ. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Consumer 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 CATEGORY UNDER APPLICABLE LAW/EFFECTIVE 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, xx.xx. High Rate High Fee 9-A, ss.ss. Mortgage 8-101 et seq. MortgageET SEQ.
Appears in 1 contract
Samples: Custodial Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He2)
et seq. Effective Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Colo. Stat. Ann. ss.ssss.xx. 5-3.5-101 et seq. Effxxxivx xxx 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. 36a-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 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Ann. xs.xx. 094.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------- Georgia (Oct. Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx XxxHome Loan Code Ann. xs.xx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 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. 00x-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqex xeq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Xxxe Xxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActFaix Xxxxxxx Xxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Home Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seqsxx. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxxq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Cosx Xomx Xxxn 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxxxxxx Xxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Xome Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seqsex. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 (RAMP Series 2006-Nc3 Trust)
et seq. Effective Jxxx 0October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan Practices Act, Conn. Gen. Stat- current) xx.xx. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 267-1151.01 ex xxx6A-1 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 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. Covered Xxan ss.ss. 5-3.5-101 et seqxxx. Effxxxivx xxx 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. 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 ex 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActFxxx Xxxxxxx Xxx, Ga. Code High Cost Xxxx Xx. Xxxx Xxx. 0xx.xx. High Xxxt Xxxx Loan 2002 - Mar. 6, 00002003) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans - 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Higx 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 Jxxx 0June 2, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. AnnXxx. ss.ssxx.xx. 5-3.5-101 et seq. Effxxxivx xxx 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. 36a-746 et seq. Effective October 1, 2001 -------------------------------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan xx.xx. 26-1151.01 ex xxxet seq. Effective for loans closed on or after January 28, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ssXxx. High Cost Home Loan 400.0000 xx xx.xx. 494.0078 et seq. Effective October 2, 2002 -------------------------------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. Oct 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March Mar 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. 2003) Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) AnnXxx. ss.ssxx.xx. 7-6A-1 et seq. Effectxxx fxx xxans Effective October 1, 2002 - March 6, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- Georgia as amended (Mar 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan Exh 2-2 -------------------------------------------------- ------------------------------------- ---------------------------- Xxx. xx.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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1xx.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 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. 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 Exh 2-3
Appears in 1 contract
et seq. Effective Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Home Loan Mar. 6, 2003) Xxx. 0, 0000) Xnn. ss.ssxx.xx. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober ------------------------------------------------------------------------------------------------------------ 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0Effectivx Xxxe 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxx0000.01 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 400.0000 xx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxxx Xxxx Xxx. 0, 0000) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqex xeq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Xxxe Xxxx 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActFaxx Xxxxxxx Xxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Xxxx Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seqsxx. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0November 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. 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. Statxx.xx. ss.ss. 36a-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 ex xxxxx.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 400.0000 xx seqxx.xx. 58-21A-1 ET SEQ. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. as of January 1, 2002 - Georgia Fair Lending Act2004; Revised as of February 26, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 72004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans closed Effective for 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 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 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. 00x-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. Q-2 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Jxxx 0Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------- ---------------------------------------- -------------------------- 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 Octxxxx 1, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx covered loans offered or entered into on or after January 1, 2003. Other provisions of the New Jersey New Jersey Home Ownership Security Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Actof 2002, Conn. Gen. N.J. Rev. Stat. ss.ss. 36a-746 46:10B-22 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxx. 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 400.0000 xx Stat. ss.ss. 58-21A-1 et seq. Effective October 2as xx Xxnuary 1, 2002 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code New York N.Y. Banking Law Article 6-l High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr Home Loan Effective for applications made on or after April 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 et seq. 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 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 1.1E et seq. Effective Jxxxxxy July 1, 2004 2000; amended October 1, 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. 00x-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 (Morgan Stanley Mortgage Loan Trust 2006-1ar)
et seq. Effective Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seqxxq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et seq. -- --- Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ex xxxet seq. -- --- Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Cosx Xomx Xxxn 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActXxxxxxx Xxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxst Home Loan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seqsex. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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. Covered Loxx Effective Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Covered Loax 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet seq. Covered Xxxx Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost 494.0078 et seq. Xxxh Xxxx Home Loan 400.0000 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code High Cost Xxxx Xxxx Xxx. 0, 0000) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectxxx fxx xxans High Cxxx Hxxx Xoan Effective October 1, 2002 - March 6, 2003 --------------------------------------- ---------------------------------------------------------- --------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. Coverxx Loxx 5-3.5-101 et seq. Effxxxivx xxx 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. 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 ex xxxet 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 400.0000 xx et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- M-E-7-1 --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending ActLxxxxxx Xxx, Ga. Code High Cost Xxxx Xx. Xxxx Xxx. 0, 0000xx.xx. Hixx Coxx Xxme Loan 2003) Xnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-1Consumer 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 Jxxx 0June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx xxx Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 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 ex xxxet seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 400.0000 xx Loax 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ActAxx, Ga. Code High Cost Xx. Xxxx Xxxx Xxx. 0Xxxx Xxxx Xxan Mar. 6, 00002003) XnnAnn. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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 Jxxx June 0, 2003 0003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effxxxivx Effecxxxe xxx covered 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. 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 ex xxxet 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 400.0000 xx ss.ss.004.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Xxxx Hoxx Xxxx Xxx. 0, 0000) XnnXxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1Effective Xxtoxxx 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. Effectxxx fxx xxans Effective 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 Effectivx Xxxober Effective 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 Jxxxxxy 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. 00x-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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. 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 400.0000 xx 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 Xxxx Home Xxxx Xxx. 0, 0000) XnnXxx. ss.ss. 7-6A-1 et seq. Effectxxx Oxxxxxr 1Effective Xxxobxx 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. Effectxxx fxx xxans Effective 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 Effectivx Xxxober Effective 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 Jxxxxxy 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. 00x-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 Jxxx 0, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. 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. 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 ex xxx. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. AnnXxx. ss.ssxx.xx. High Cost Home Loan 400.0000 xx 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 ActMar. 0, Ga. Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code High Cost Xxxx Xxxx Home Loan 2003) Xxx. 0, 0000) Xnn. ss.ssxx.xx. 7-6A-1 et seq. Effectxxx Oxxxxxr 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. Effectxxx fxx xxans 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 Effectivx Xxxober 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 Jxxxxxy 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. 00x-116a-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)
