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Truth in Lending, Consumer Leasing,
and the new Home Ownership and Equity Protection Act governing high-cost
mortgages are key consumer protection statutes, providing actual damages,
statutory damages up to (or even exceeding) $2000, attorney fees, and
loan rescission.
For over thirty years, NCLC has been the nation’s premier expert
on Truth in Lending, and this volume is the definitive work in its field.
Innovative And Influential Strategies for Challenging
Credit and Lease Transactions
- The leading discussion of TIL rescission rights that allow homeowners
to cancel mortgages
- The most thorough, up-to-date, and innovative chapter anywhere on
HOEPA, the key federal law dealing with predatory mortgages
- When charges must be included in the finance charge instead of the
amount financed, and how to calculate and check annual percentage rates
- Credit card, open-end, closedend, variable rate, and home equity loan
disclosure rules
- Consumer Leasing Act disclosure requirements and auto lease early
termination charges.
Praise
for the NCLC Manuals |
|  Key
Practice Aids are on CD-Rom and in the Appendices
- Two Windows-based programs
make it easy to compute Annual
Percentage Rates, produce amortization tables, and check
Rule of 78 rebates, even for
irregular or variable rate loans
- FRB's APR Tables
- Sample rescission letter, TIL damages complaints,
rescission complaints, and discovery requests
- Attorney fee documents
- HOEPA complaints and discovery, memoranda and expert
witness report
- CLA complaints and discovery
- Fair Credit Billing Act complaints and discovery
- Up-to-date text of the TILA, Regulation Z, the Official
Staff Commentary, the Consumer Leasing Act, Regulation
M, and its Commentary, HOEPA, and HOEPA regulations
and commentary, E-sign Act
- A unique compilation of all Federal Register
notices concerning Reg. Z and its Commentary, with a
table citing sections affected
- TILA legislative history
- HOEPA Worksheet.
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