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Mortgage Disclosure Policy Manual (MDIA & TILA)

Product Code: PPM-MDISC

The AllRegs Mortgage Disclosure Policy Manual (MDIA & TILA) is a pre-written policy template that includes all the legal requirements for the Housing and Economic Recovery Act (HERA), the Mortgage Disclosure Improvement Act (MDIA) and the new Truth in Lending Act (TILA) amendments. Our turnkey solution is a comprehensive policy and procedure guide outlining important details of MDIA, covering early disclosure, collection of fees, notices, waiting periods, waivers and more. You’ll better understand TILA with the manual’s clear explanations, charts and illustrations for APR, finance charges and tolerance. You’ll also benefit from a section on High Cost Mortgages, reflecting the new rules effective October 1, 2009, for assignments, refinances and repayment ability.

The Mortgage Disclosure Policy Manual (MDIA & TILA) is a complete 25-page plan, ready for personalization with your company or organization’s name. You can even customize it to include your own internal policy and procedures with our Pro-Publishing service. Order your Mortgage Disclosure Policy Manual (MDIA & TILA) today!

Mortgage Disclosure Policy Manual (MDIA & TILA) Benefits

The plan features the following benefits:

• Complete AllRegs’ Mortgage Disclosure Policy Manual (MDIA & TILA), saving you development time and resources
• A 25-page plan template is delivered via email within one business day after purchase
• Complete sections on MDIA, TILA and High Cost Mortgages
• Includes flowcharts on Finance Charges and TIL Disclosure Chart
• Formatted in an editable MS Word document
• Ability to personalize the plan or manual with your company brand by performing a simple find and replace function
• Customizable by you, with your internal policies and procedures
• Ability to add, delete and update your plan to suit the business model of your organization
• Meet your regulatory or internal compliance requirements
• Affordable one-time purchase fees

Easily enhance your employee experience by publishing your manual in AllRegs Online. Your staff can access and search your manual in the same application that they access their AllRegs underwriting guidelines and state and federal regulations. To learn more, call (800) 848-4904.

Your Plan in Place:

AllRegs’ Policy and Procedure Manuals have a dual purpose. They are certainly designed for internal use and implementation within your organization. However, many groups or agencies may inquire whether you have a particular plan in place. Click here to compare the implementations and uses of AllRegs Policy and Procedure Manuals.

How it Works:

When you place your order, we will deliver the AllRegs Mortgage Disclosure Policy Manual (MDIA & TILA) to you in an editable MS Word document, ready for your company’s personalization and customization. An illustrative guide is included that explains how to add, delete and update your plan to suit the business model of your organization.

When purchasing AllRegs’ Policy and Procedure Manuals, you must agree to the License Agreement. The Mortgage Disclosure Policy Manual (MDIA & TILA) cannot be shared or sold.

Note: Changes occur from time to time with the document templates. Updates are not provided to these documents after purchase unless the Policy Manual Maintenance Plan is purchased. They are purchased “as is” at the time of sale.

Why You Need It:

• Better understand the latest HERA, MDIA and TILA requirements to ensure your organization’s compliance.
• Save your outsourcing dollars! When you put our Mortgage Disclosure Policy Manual (MDIA & TILA) in place, you won’t need to hire a Consulting, Quality Control or Law Firm to create your plan.
• Reduce your internal resources’ time allocation on creating policy and procedure manuals. You’ll save time and staff efforts when you implement our Mortgage Disclosure Policy Manual (MDIA & TILA), created based on industry best practices.

What's Included:

There are three sections in the AllRegs Mortgage Disclosure Policy Manual (MDIA & TILA):

1. Mortgage Disclosure Improvement Act
2. Truth in Lending Act
3. High Cost Mortgages (effective 10/1/2009)

View the full Table of Contents »

View Sample Pages »

Authors

Special thanks to Bankers Advisory, Inc. for developing the AllRegs Mortgage Disclosure Policy Manual (MDIA & TILA). Bankers Advisory, Inc. is a Massachusetts-based audit & consulting company specializing in mortgage banking compliance and quality control. The firm was founded in 1986 by Anna DeSimone, a nationally known author and compliance expert.

Stay Current with the Policy and Procedure Manual Maintenance Plan

When you have your AllRegs Policy Manual template customized and implemented within your company, ensure your manual is always current and up to date with the AllRegs Policy Manual Maintenance Plan. You’ll receive one guaranteed update during the year and additional updates as federal regulations or best practices change and affect your plan. Subscribe now for only $95 per year for each manual in your library. For more details, click here. To add this to your purchase today, choose “Yes” for the Maintenance Package when adding this product to your cart.

Pro-Publishing

Pro-Publish your manual, including your company procedures, in AllRegs Online as an upgrade to your complete policy manual solution. Ask us how!

Fees and Fulfillment

The Mortgage Disclosure Policy Manual (MDIA & TILA) is available for a one-time fee of $895 per company. Agreement to our License Agreement is required, and the template cannot be shared or sold. After you place your order, you will receive the document via email within one business day.

For more information, call our sales and customer service department at (800) 848-4904 or email sales@allregs.com.