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Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions

Assume a creditor defines a geographic area that contains two subdivisions, one with a median appraisal

• • 1026 (Regulation Z)

Comment for 1026.32 - Requirements for High-Cost Mortgages

If the consumer finances a $300 fee for a creditor-conducted appraisal and pays $400 in prepaid finance

• • 1026 (Regulation Z)

Comment for 1002.14 - Rules on Providing Appraisals and Valuations

reference to “all” appraisals and other written valuations does not refer to all versions of the same appraisal

• • 1002 (Regulation B)

Comment for 1002.14 - Rules on Providing Appraisals and Valuations

does not prohibit a creditor from imposing a reasonable fee to reimburse the creditor's costs of the appraisal

• • 1002 (Regulation B)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

requirements that a creditor obtain two separate appraisals under § 1026.35(c)(4)(i), and that each appraisal

• • 1026 (Regulation Z)

Comment for 1026.42 - Valuation Independence

believes that an appraiser has materially failed to comply with the Uniform Standards of Professional Appraisal

• • 1026 (Regulation Z)

Comment for 1002.14 - Rules on Providing Appraisals and Valuations

Appraisal reviews that do not include the appraiser's estimate of the property's value or opinion of

• • 1002 (Regulation B)

§ 1026.35 Requirements for higher-priced mortgage loans.

(iv) Required analysis in the additional appraisal.

• • 1026 (Regulation Z)

§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).

(iii) The consumer may choose to pay for an additional appraisal of the property for the consumer's use

• • 1026 (Regulation Z)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

)(4)(vi)(B) Inability To Determine Prior Sales Date or Price - Modified Requirements for Additional Appraisal

• • 1026 (Regulation Z)

§ 1026.35 Requirements for higher-priced mortgage loans.

(A) Orders that the appraiser perform the appraisal in conformity with the Uniform Standards of Professional

• • 1026 (Regulation Z)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

that satisfies the safe harbor conditions in § 1026.35(c)(3)(ii)(A) through (D) complies with the appraisal

• • 1026 (Regulation Z)

§ 1026.35 Requirements for higher-priced mortgage loans.

(C) Confirms that the elements set forth in appendix N to this part are addressed in the written appraisal

• • 1026 (Regulation Z)

Appendix N to Part 1026 — Higher-Priced Mortgage Loan Appraisal Safe Harbor Review

for the safe harbor provided in § 1026.35(c)(3)(ii), a creditor must confirm that the written appraisal

• • 1026 (Regulation Z)

§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).

(ii) The creditor will promptly provide the consumer a copy of any appraisal, even if the transaction

• • 1026 (Regulation Z)

Comment for 1026.4 - Finance Charge

Appraisal fees mentioned in § 1026.4(b)(4) are excluded for real property or residential mortgage

• • 1026 (Regulation Z)

Comment for Appendix C - Sample Notification Forms

A notice of the cost the applicant will be required to pay the creditor for the appraisal or other valuation

• • 1002 (Regulation B)

Comment for 1026.42 - Valuation Independence

For example, assume an appraisal management company performs valuation management functions for a transaction

• • 1026 (Regulation Z)

Comment for 1002.14 - Rules on Providing Appraisals and Valuations

For purposes of § 1002.14, an “appraisal or other written valuation” includes, without limitation

• • 1002 (Regulation B)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

Under § 1026.35(c)(2)(i), a loan is exempt from the appraisal requirements of § 1026.35(c)

• • 1026 (Regulation Z)

§ 1026.35 Requirements for higher-priced mortgage loans.

extend a higher-priced mortgage loan to a consumer without obtaining, prior to consummation, a written appraisal

• • 1026 (Regulation Z)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

The creditor is prohibited from charging the consumer for any copy of an appraisal required to be provided

• • 1026 (Regulation Z)

Comment for 1002.14 - Rules on Providing Appraisals and Valuations

Internal documents that merely restate the estimated value of the dwelling contained in an appraisal

• • 1002 (Regulation B)

§ 1026.35 Requirements for higher-priced mortgage loans.

A creditor shall provide to the consumer a copy of each written appraisal pursuant to paragraph (c)(6

• • 1026 (Regulation Z)

Comment for 1013.4 - Content of Disclosures

providing the disclosures in § 1013.4(l), a lessor must indicate whether the wholesale or retail appraisal

• • 1013 (Regulation M)