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gptkbp:instanceOf
|
gptkb:United_States_federal_law
|
|
gptkbp:amendedBy
|
gptkb:Truth_in_Lending_Act
|
|
gptkbp:appliesTo
|
certain high-cost home loans
|
|
gptkbp:codifiedIn
|
gptkb:15_U.S.C._§_1639
|
|
gptkbp:dateEnacted
|
1994
|
|
gptkbp:enactedBy
|
gptkb:United_States_Congress
|
|
gptkbp:enforcedBy
|
gptkb:Consumer_Financial_Protection_Bureau
gptkb:Federal_Trade_Commission
|
|
gptkbp:expansion
|
gptkb:Dodd-Frank_Wall_Street_Reform_and_Consumer_Protection_Act
|
|
gptkbp:fullName
|
gptkb:Home_Ownership_and_Equity_Protection_Act
|
|
https://www.w3.org/2000/01/rdf-schema#label
|
HOEPA
|
|
gptkbp:prohibits
|
balloon payments in most cases
loan flipping
negative amortization
prepayment penalties in most cases
financing of credit insurance
increased interest rates after default
|
|
gptkbp:providesFor
|
civil liability for violations
rescission rights for borrowers
|
|
gptkbp:purpose
|
protect consumers from predatory lending practices
|
|
gptkbp:regulates
|
gptkb:Regulation_Z_(12_CFR_1026)
high-cost mortgages
|
|
gptkbp:relatedTo
|
consumer protection
predatory lending
subprime lending
|
|
gptkbp:requires
|
disclosure of loan terms
|
|
gptkbp:bfsParent
|
gptkb:Home_Ownership_and_Equity_Protection_Act
|
|
gptkbp:bfsLayer
|
6
|