The concept is simple: federal law requires an accurate written disclosure of the annual percentage rate ("APR") and finance charges in home and consumer loans. Good luck understanding what the Reg Z rules are on your own.
Regulation Z of the Truth and Lending Act
Related to Reg Z and also important in compelling a modification of your home mortgage is the Real Estate Settlement Procedures Act, or RESPA (HUD-1 good faith estimate of closing charges, reasonableness of charges, anti-kickback).
Go see an experienced Truth in Lending attorney - you likely only have 3 years from the making of the loan to take legal action
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