Introduction to Mortgage Origination Examiniations

Internal Use Only

Regulation Z

Clear & Conspicuous Disclosure

• Prominence • Presentation • Proximity • Placement

Internal Use Only

Regulation Z

Prohibited Practices • Misleading use of “fixed” • Misleading comparisons

• Misrepresentations about government • Misleading use of current lender’s name • Misleading claims of debt elimination • Misleading use of “counselor” • Misleading foreign language - triggers