White Paper

10 Pages
  • 10 Pages

Fair Lending and Related Mortgage Development Updates: More Focus on Reverse Mortgage Products

 

Including marketing and borrower suitability issues.

Statistical analysis of reverse mortgage transactions is facilitated by the expanded HMDA data collection and reporting requirements that applied for 2018 and future years. These expanded HMDA reporting requirements generally apply to reverse mortgage transactions that are described in 12 CFR Section 1026.33, regardless of whether the mortgaged property is used as the borrower’s principal dwelling and also regardless of loan purpose. This white paper reviews issues involving demographic trends, age discrimination and marketing and suitability issues.