TRID Reg Z
This disclosure must be delivered within three business days after receiving a mortgage application.
What is the Loan Estimate?
This notice must be provided to borrowers when their property is located in a Special Flood Hazard Area.
What is the Standard Flood Hazard Determination Notice?
A lender may require this person's signature only if they are a joint applicant or needed to perfect collateral rights.
Who is the applicant's spouse?
A consumer must report a lost or stolen debit card within this period to limit liability to $50.
What is two business days?
This final disclosure must be received at least three days prior to loan consummation.
What is the Closing Disclosure?
This type of insurance must be required when a structure is in a SFHA in a participating community?
What is NFIP flood insurance?
Before treating multiple applicants as co-applicants, lenders must document this at application.
What is evidence of joint intent?
Financial institutions must generally complete an EFT error investigation within the number of business days.
What is 10 business days?
A creditor may reissue a revised Loan Estimate only when one of these occurs?
What is a changed circumstance?
The required amount of flood insurance is the lesser of the loan amount, the insurable value, or this third amount.
What is the maximum NFIP coverage available?
A spouse's signature may be required on this document to give the lender access to jointly owned collateral.
What is the security instrument?
If a consumer waits more than 2, but fewer than 60 days, to report a lost debit card, their liability may increase to this amount.
What is $500?
This tolerance group includes fees that cannot increase at all from the original Loan Estimate to the Closing Disclosure.
What are zero tolerance fees?
A lender must give this many days notice before force-placing flood insurance.
A 45 day notice is required.
A lender may request information about a spouse only in these situations.
What are joint credit, community property situations, or reliance on spousal credit income?
For unauthorized EFTs on a statement, the consumer must report the error within this timeframe to avoid unlimited liability.
What is 60 days?
These are the tolerances for both APR and Finance Charges provided on TRID disclosures for an irregular loan.
What is 1/4th of 1% for an irregular loan, and $100 for finance charge.
A lender may use a previous flood determination for a refinance only if this has not changed. A lender may also rely on a previous flood determination for this time period.
What is the flood map status and up to 7 years.
Reg B prohibits requiring a spouse to sign this specific document unless they are a joint applicant.
What is a promissory note?
A bank may extend an EFT investigation to 45 days only if it takes this action.
What is providing a provisional credit?