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Posts from August 2011

Ruhl&Ruhl REALTORS

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August 4th, 2011 by

In their never ending quest to "simplify" the confusion surrounding the borrowing of money, the Fed has released their Final Rule for Risk Based Pricing Notices, as well as Adverse Action Notices. More paper work filled with CYA, legal terminology that winds up baffling people more than giving them any clarity. Let's take a peek…. Risk Based Pricing Notices are required under the Fair Credit Reporting Act (FCRA), and now, because of provisions in the Dodd-Frank Act, they must include language that relates to credit scores IF those scores were used to determine the interest rate (and resultant APR) given the customer. Also, the language can't simply be "the lower your credit score, the higher rate you will pay". That would be too easy. You see…lower...

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