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• Lenders are required to report whether a loan is subject to the provisions of the HOEPA. HOEPA, enacted as part of the Truth in Lending Act, imposes substantive limitations and additional disclosures on certain types of home mortgage loans with rates or fees above a certain percentage or amount. For more information about HOEPA, see the Board's Regulation Z, 12 CFR part 226, sections 31, 32 and 34.

  Federal Financial Institutions Examination Council - Cite This Source - This Definition
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  Cite Definition for Home Ownership and Equity Protection Act (HOEPA)

  American Psychological Association (APA)

  Home Ownership and Equity Protection Act (HOEPA). (n.d.). Home Mortgage Disclosure Act (HMDA) Glossary. Retrieved February 5, 2023, from website: http://www.expertglossary.com/definition/home-ownership-and-equity-protection-act-hoepa.

  Chicago Manual of Style (CMS)

  Home Ownership and Equity Protection Act (HOEPA). www.ffiec.gov. Home Mortgage Disclosure Act (HMDA) Glossary. Federal Financial Institutions Examination Council. http://www.expertglossary.com/definition/home-ownership-and-equity-protection-act-hoepa (accessed: February 5, 2023).

  Modern Language Association (MLA)

  "Home Ownership and Equity Protection Act (HOEPA)." Home Mortgage Disclosure Act (HMDA) Glossary. Federal Financial Institutions Examination Council. 5 February. 2023 http://www.expertglossary.com/definition/home-ownership-and-equity-protection-act-hoepa.

• Browse Related Terms: Collateral, creditor, Equity stripping, Home Equity Line of Credit (HELOC), Home Ownership and Equity Protection Act (HOEPA), interest, Interest rate, Loan modification activities, Principal, Rate Spread, Servicemen’s Readjustment Act, Truth-In-Lending Act (TILA)