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Unique ID
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Loan Id
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Compliance Event
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Compliance Exceptions
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Compliance Comments
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Eligible For Predatory Testing - Unable to Test
|
Compliance Comp Factors
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Category
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S&P Compliance Grade
|
Fitch Compliance Grade
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Moody's Compliance Grade
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DBRS Compliance Grade
|
|
625488702
|
XXX
|
3
|
[3] Finance Charge underdisclosed >$35 for Refinance
[2] Affiliated Business Doc Missing [2] Initial GFE Missing [2] Initial TIL Missing |
Finance charges under disclosed by $145.76 which exceeds the $35.00 tolerance for refinance transactions. Unable to determine the reason for under
disclosure due to missing itemization of amount financed.
|
|
Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside
the SOL.
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TILA SOL Expired
|
RB
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B
|
B
|
B
|
|
625489010
|
XXX
|
2
|
[2] HMDA-reportable rate spread (1/1/04-10/1/09)
[2] Initial GFE Date not within 3 days of Initial Application Date [2] Initial TIL Missing |
|
|
|
|
RB
|
B
|
B
|
B
|