Jeffrey Naimon

Jeffrey Naimon

BuckleySandler LLP

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SPECIAL ALERT: CFPB Finalizes Points-And-Fees Cure And Other Mortgage Rule Amendments

Last week, the CFPB finalized an important amendment to its ATR / QM Rule that provides a mechanism for curing points-and-fees overages on qualified mortgage (“QM”) loans, as well as more minor amendments to its mortgage...more

10/29/2014 - CFPB Mortgages Qualified Mortgage Rule RESPA TILA

Special Alert: Proposed Amendments to the TILA-RESPA Integrated Disclosure (“TRID”) Rule, Transcript of CFPB Webinar on the Loan...

BuckleySandler is pleased to announce our new TILA-RESPA Integrated Disclosure (“TRID”) Resource Center. The TRID Resource Center is a one-stop shop for TRID issues, providing access to BuckleySandler’s analysis of the TRID...more

10/16/2014 - CFPB Disclosure Requirements Loans Mortgages RESPA TILA

BuckleySandler Files Amici Curiae Brief on Behalf of Industry Groups in Supreme Court TILA Case

On September 17, BuckleySandler filed an amici curiae brief on behalf of six industry associations in a Supreme Court case addressing the right to rescind a transaction under the Truth in Lending Act (TILA). In Jesinoski v....more

9/25/2014 - Borrowers Jesinoski v Countrywide Rescission SCOTUS TILA

InfoBytes Special Alert: CFPB Guidance States That Successors Are Not Subject To The ATR/QM Rule

On July 8, 2014, the CFPB issued an interpretive rule stating that the addition of a successor as an obligor on a mortgage does not trigger the Ability-to-Repay/Qualified Mortgage Rule (“ATR/QM Rule”) requirements if the...more

7/10/2014 - Beneficiaries CFPB Creditors Mortgages Regulation Z Successors TILA

Lenity, Chevron Deference And Consumer Protection Laws

Several federal statutes, including the Real Estate Settlement Procedures Act (“RESPA”), the Truth in Lending Act (“TILA”) and the Servicemembers Civil Relief Act (“SCRA”) permit the government to seek either civil or...more

1/17/2014 - Chevron Chevron Deference Enforcement Actions HUD Mortgages Real Estate Market RESPA SCRA TILA

Infobytes Special Alert: CFPB Finalizes Rule Combining TILA And RESPA Mortgage Disclosures

On November 20, 2013, the CFPB finalized its long-awaited rule combining the mortgage disclosures consumers receive under the Truth in Lending Act (“TILA”) and the Real Estate Settlement Procedures Act (“RESPA”). For more...more

12/2/2013 - CFPB Dodd-Frank HUD Mortgage Servicing Rules Mortgages RESPA TILA

Infobytes Special Alert: HUD Proposes Its Own QM Rule

On September 27, 2013, the Department of Housing and Urban Development (“HUD”) released a proposal defining what constitutes a “qualified mortgage” (“QM”) for purposes of loans insured by the Federal Housing Administration...more

10/3/2013 - Ability-to-Repay CFPB FHA HUD Mortgages Qualified Mortgage Rule TILA

InfoBytes Special Alert: Detailed Analysis Of CFPB's Final Escrow Rule

On January 10, 2013, the Consumer Financial Protection Bureau issued its final rule on escrow account requirements for first-lien higher-priced mortgage loans. The rule amends existing escrow requirements and exemptions for...more

2/15/2013 - Ability-to-Repay Appraisal CFPB Condominiums Disclosure Requirements Dodd-Frank Escrow Holders First-Lien Higher-Priced Mortgage Loans HOEPA Loans Mortgage Escrow Account Prepayment Penalties PUDs Regulation Z RESPA TILA

InfoBytes Special Alert: Detailed Analysis Of CFPB's High-Cost Mortgage Rule - January 25, 2013

On January 10, 2013, the Consumer Financial Protection Bureau (the “Bureau”) issued a final rule (the “Rule”) that amends Regulation Z (Truth in Lending) to implement changes to the Home Ownership and Equity Protection Act...more

1/25/2013 - CFPB Disclosure Requirements Dodd-Frank Higher-Priced Mortgage Loans HOEPA Loans Mortgages Regulation Z TILA

Infobytes Special Alert: Detailed Analysis Of CFPB's Final Ability-To-Repay/Qualified Mortgage Rule

After considering a proposed rule and comments for more than a year and a half, the Consumer Financial Protection Bureau (the “Bureau”) has issued its highly anticipated final “Ability-to-Repay” rule (the “Rule”) governing...more

1/24/2013 - Ability-to-Repay CFPB Foreclosure Higher-Priced Mortgage Loans Mortgages Qualified Mortgage Rule Regulation Z Safe Harbors TILA Underwriting

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