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ARTICLE · 04 MAY 2011

Nutter Bank Report, April 2011

Nutter McClennen & Fish LLP
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The Federal Reserve has issued proposed amendments to Regulation Z, which implements the Truth in Lending Act (TILA), that would require lenders to make a reasonable and good faith determination that a consumer will have a reasonable ability to repay the loan before making a mortgage loan and would establish minimum mortgage underwriting standards.

United StatesFinance and Banking
Kenneth Ehrlich
Kenneth Ehrlich
Michael Krebs
Michael Krebs
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Headlines

1. Federal Reserve Puts Forward Minimum Underwriting Standards for Mortgage Loans
2. FDIC and Federal Reserve Proposals Would Allow Interest on Demand Deposit Accounts
3. New FASB Rules on Troubled Debt Restructuring Could Increase Loan Loss Reserves
4. FDIC Recommends Responses to Excessive Customer Use of Overdraft Protection
5. Other Developments: FHA Audited Financials Requirement and Savings and Loan Holding Companies

1. Federal Reserve Puts Forward Minimum Underwriting Standards for Mortgage Loans

The Federal Reserve has issued proposed amendments to Regulation Z, which implements the Truth in Lending Act (TILA), that would require lenders to make a reasonable and good faith determination that a consumer will have a reasonable ability to repay the loan before making a mortgage loan and would establish minimum mortgage underwriting standards. The proposal released on April 19 would implement statutory changes to TILA made by the Dodd-Frank

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