The federal government has enacted several consumer protection laws pertaining to residential mortgage lending. OFCU has attempted to review the most salient points of those laws and discuss areas that are important when consumers are shopping for a mortgage loan. Some of the content of the federal regulations could be open for interpretation. OFCU and its authors do not represent that the following discussions on the regulations are a accurate; it should not be considered a legal opinion of the law. We suggest that users and readers seek counsel for a comprehensive opinion. The following are major mortgage lending regulations:
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