E節：抵当貸付の回収
出典: フリー百科事典『ウィキペディア（Wikipedia）』 (2022/02/25 09:00 UTC 版)
「ドッド＝フランク・ウォール街改革・消費者保護法」の記事における「E節：抵当貸付の回収」の解説
E節は、抵当貸付の返済に問題を抱えた人々のためのエスクローおよび処分手続に係るルールに関わるもので、1974年物的財産処分手続法を改正するものでもある。 Subtitle E concerns rules concerning escrow and settlement procedures for people who are in trouble repaying their mortgages, and also makes amendments to the Real Estate Settlement Procedures Act of 1974. In general, in connection with a residential mortgage there should be established an escrow or impound account for the payment of taxes, hazard insurance, and (if applicable) flood insurance, mortgage insurance, ground rents, and any other required periodic payments. Lender shall disclose to borrower at least three business days before closing the specifics of the amount required to be in the escrow account and the subsequent uses of the funds. If an escrow, impound, or trust account is not established, or the consumer chooses to close the account, the servicer shall provide a timely and clearly written disclosure to the consumer that advises the consumer of the responsibilities of the consumer and implications for the consumer in the absence of any such account. The amendments to the Real Estate Settlement Procedures Act of 1974 (or RESPA) change how a Mortgage servicer (those who administer loans held by Fannie Mae, Freddie Mac, etc.) should interact with consumers.
※この「E節：抵当貸付の回収」の解説は、「ドッド＝フランク・ウォール街改革・消費者保護法」の解説の一部です。
「E節：抵当貸付の回収」を含む「ドッド＝フランク・ウォール街改革・消費者保護法」の記事については、「ドッド＝フランク・ウォール街改革・消費者保護法」の概要を参照ください。
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