Sample records for adjustable rate mortgage

  1. 75 FR 41876 - Disclosure of Adjustable Rate Mortgages (ARMs) Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-19

    ... Rate Mortgages (ARMs) Rates AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice..., an annual disclosure is required to reflect any adjustment to the interest rate and monthly mortgage... lists the following information: Title of Proposal: Disclosure of Adjustable Rate Mortgages (ARMs) Rates...

  2. 24 CFR 203.49 - Eligibility of adjustable rate mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... corresponding to changes in the interest rate index. (d) Frequency of interest rate changes. (1) The interest...) Interest-rate index. Changes in the interest rate charged on an adjustable rate mortgage must correspond either to changes in the one-year London Interbank Offered Rate (LIBOR) or to changes in the weekly...

  3. The Impact of Financial Sophistication on Adjustable Rate Mortgage Ownership

    ERIC Educational Resources Information Center

    Smith, Hyrum; Finke, Michael S.; Huston, Sandra J.

    2011-01-01

    The influence of a financial sophistication scale on adjustable-rate mortgage (ARM) borrowing is explored. Descriptive statistics and regression analysis using recent data from the Survey of Consumer Finances reveal that ARM borrowing is driven by both the least and most financially sophisticated households but for different reasons. Less…

  4. 24 CFR 266.417 - Authority to adjust mortgage insurance amount.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... AND OTHER AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Mortgage and Closing Requirements; HUD Endorsement § 266.417 Authority to adjust mortgage...

  5. Optimal Mortgage Refinancing: A Closed Form Solution.

    PubMed

    Agarwal, Sumit; Driscoll, John C; Laibson, David I

    2013-06-01

    We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least [Formula: see text] In this formula W (.) is the Lambert W -function, [Formula: see text] ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods.

  6. 24 CFR 221.256 - Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Interest rate increase and payment... Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and § 221.65... continuation of a below market interest rate, interest on such mortgage shall be computed by the mortgagee at...

  7. Optimal Mortgage Refinancing: A Closed Form Solution

    PubMed Central

    Agarwal, Sumit; Driscoll, John C.; Laibson, David I.

    2013-01-01

    We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least 1ψ[ϕ+W(−exp(−ϕ))]. In this formula W(.) is the Lambert W-function, ψ=2(ρ+λ)σ,ϕ=1+ψ(ρ+λ)κ∕M(1−τ), ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods. PMID:25843977

  8. 24 CFR 221.256 - Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... of mortgage insurance premiums on mortgages under § 221.60 and § 221.65. 221.256 Section 221.256... Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and § 221.65.... (c) The liability for payment of mortgage insurance premiums shall begin on and be computed from the...

  9. New Mortgages for Financing Homes Need Uniform and Comprehensive Consumer Safeguards.

    DTIC Science & Technology

    1981-07-02

    consumers . Greater flexibility for adjustable rate mortgages may result if lenders are not required to offer buyers a fixed rate loan, provide worst case... buyer . 12 LUI > 0 C-JuJ w 0L . LL L -U 0 wu-J 0 0 4u U- Doz 13 CHAPTER 3 ADJUSTABLE RATE MORTGAGES NEED BETTER CONSUMER SAFEGUARDS FHLBB and 0CC have...unsuccessful because VRMs were perceived as disadvantageous to consumers . Some believed VRMs would pit home buyers against lenders in a match to see who was

  10. 17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... each of the above classes of mortgage loans the average gross rate of interest on mortgage loans held... mortgages sold Amortization of premium Other (describe) Balance at close of period $ If additions represent... item of mortgage loans on real estate investments has been written down or reserved against pursuant to...

  11. 24 CFR 221.795 - Displacement-below market interest rate mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Displacement-below market interest... Rights and Obligations-Moderate Income Projects § 221.795 Displacement—below market interest rate mortgages. (a) Minimizing displacement. Consistent with the other goals and objectives of this part, Owners...

  12. 24 CFR 221.795 - Displacement-below market interest rate mortgages.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Displacement-below market interest... Rights and Obligations-Moderate Income Projects § 221.795 Displacement—below market interest rate mortgages. (a) Minimizing displacement. Consistent with the other goals and objectives of this part, Owners...

  13. 24 CFR 221.795 - Displacement-below market interest rate mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Displacement-below market interest... Rights and Obligations-Moderate Income Projects § 221.795 Displacement—below market interest rate mortgages. (a) Minimizing displacement. Consistent with the other goals and objectives of this part, Owners...

  14. 24 CFR 221.795 - Displacement-below market interest rate mortgages.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Displacement-below market interest... Rights and Obligations-Moderate Income Projects § 221.795 Displacement—below market interest rate mortgages. (a) Minimizing displacement. Consistent with the other goals and objectives of this part, Owners...

  15. 24 CFR 221.795 - Displacement-below market interest rate mortgages.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Displacement-below market interest... Rights and Obligations-Moderate Income Projects § 221.795 Displacement—below market interest rate mortgages. (a) Minimizing displacement. Consistent with the other goals and objectives of this part, Owners...

  16. 12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED..., App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage...

  17. 12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED..., App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage...

  18. Numerical ability predicts mortgage default

    PubMed Central

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-01-01

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one’s mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage. PMID:23798401

  19. Numerical ability predicts mortgage default.

    PubMed

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-07-09

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one's mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage.

  20. 77 FR 76839 - Home Mortgage Disclosure (Regulation C): Adjustment To Asset-Size Exemption Threshold

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-31

    ...The Bureau of Consumer Financial Protection (Bureau) is publishing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect a change in the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The exemption threshold is adjusted to increase to $42 million from $41 million. The adjustment is based on the 2.23 percent increase in the average of the CPI-W for the 12-month period ending in November 2012. Therefore, banks, savings associations, and credit unions with assets of $42 million or less as of December 31, 2012, are exempt from collecting data in 2013.

  1. 78 FR 79285 - Home Mortgage Disclosure (Regulation C): Adjustment to Asset-Size Exemption Threshold

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-30

    ...The Bureau of Consumer Financial Protection (Bureau) is publishing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect a change in the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The exemption threshold is adjusted to increase to $43 million from $42 million. The adjustment is based on the 1.4 percent increase in the average of the CPI-W for the 12-month period ending in November 2013. Therefore, banks, savings associations, and credit unions with assets of $43 million or less as of December 31, 2013, are exempt from collecting data in 2014.

  2. 24 CFR 206.21 - Interest rate.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... interest rate is adjusted, the new interest rate applies to the entire mortgage balance. The difference... § 203.49(f)(1) to one percentage point shall mean two percentage points. (2) If a mortgage meeting the...

  3. 24 CFR 206.21 - Interest rate.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Interest rate. 206.21 Section 206... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgages § 206.21 Interest rate. (a) Fixed interest rate. A fixed interest rate is agreed upon by the mortgagor and mortgagee. (b) Adjustable interest...

  4. 24 CFR 206.21 - Interest rate.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Interest rate. 206.21 Section 206... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgages § 206.21 Interest rate. (a) Fixed interest rate. A fixed interest rate is agreed upon by the mortgagor and mortgagee. (b) Adjustable interest...

  5. 24 CFR 206.21 - Interest rate.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Interest rate. 206.21 Section 206... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgages § 206.21 Interest rate. (a) Fixed interest rate. A fixed interest rate is agreed upon by the mortgagor and mortgagee. (b) Adjustable interest...

  6. 24 CFR 206.21 - Interest rate.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Interest rate. 206.21 Section 206... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgages § 206.21 Interest rate. (a) Fixed interest rate. A fixed interest rate is agreed upon by the mortgagor and mortgagee. (b) Adjustable interest...

  7. 12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...

  8. 12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...

  9. 12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...

  10. 76 FR 47225 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-04

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  11. 76 FR 4127 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-24

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  12. 75 FR 41510 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-16

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

  13. 77 FR 42754 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-20

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  14. 75 FR 5339 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-02-02

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  15. 78 FR 4427 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-22

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  16. 78 FR 44580 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-24

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  17. 77 FR 4359 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-27

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

  18. 12 CFR 652.40 - Stress tests for mortgage securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Stress tests for mortgage securities. 652.40... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the cashflow...

  19. 12 CFR 652.40 - Stress tests for mortgage securities.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the cashflow... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Stress tests for mortgage securities. 652.40...

  20. 12 CFR 652.40 - Stress tests for mortgage securities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the cashflow... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Stress tests for mortgage securities. 652.40...

  1. 12 CFR 652.40 - Stress tests for mortgage securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the cashflow... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Stress tests for mortgage securities. 652.40...

  2. Financial Literacy and the Use of Interest-Only Mortgages

    ERIC Educational Resources Information Center

    Seay, Martin C.; Preece, Gloria L.; Le, Vincent C.

    2017-01-01

    This study explored the relationship between financial literacy and the use of interest-only mortgages using data from the 2009 National Financial Capability Study (NFCS). A series of analyses were conducted to investigate characteristics associated with the use of an interest-only mortgage as a primary mortgage, as compared to fixed-rate mortgage…

  3. 24 CFR 203.45 - Eligibility of graduated payment mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... shall bear interest at the rate agreed upon by the mortgagee and the mortgagor. (c) The mortgage amount... rates of amortization corresponding to anticipated variations in family income shall be eligible for... mortgage may provide that any interest which accrues and which is unpaid pursuant to a financing plan...

  4. 24 CFR 203.288 - Discontinuance of adjusted premium charge.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... instrument, there shall be no adjusted mortgage insurance premium due the Commissioner on account of the... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Discontinuance of adjusted premium... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER...

  5. 24 CFR 203.288 - Discontinuance of adjusted premium charge.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... instrument, there shall be no adjusted mortgage insurance premium due the Commissioner on account of the... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Discontinuance of adjusted premium... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER...

  6. What Does a Swiss Franc Mortgage Cost? The Tale of Polish Trust for Foreign Currency Denominated Mortgages: Implications for Well-Being and Health.

    PubMed

    Białowolski, Piotr; Węziak-Białowolska, Dorota

    2017-01-01

    It is commonly agreed that excessive household financial debts are detrimental to psychological and physical health. Research also demonstrates that housing instability, mortgage indebtedness and mortgage foreclosure negatively influence subjective well-being. In Poland at the beginning of 2015, homeowners with Swiss franc denominated mortgages suffered from an abrupt swing in the Swiss franc/Polish zloty (CHF/PLN) exchange rate, which resulted in considerable increase in the local currency value of their mortgages. These adverse financial circumstances were hypothesised to affect not only household finance but also negatively affect the psychological well-being and physical health of peoples. The 2013 and 2015 waves of the Polish representative household panel 'Social Diagnosis' were used to examine impact of the abrupt change in the CHF/PLN exchange rate in Jan. 2015 on well-being and health. Causal inference was investigated using a difference-in-differences matching estimator. Results showed that although impact of Swiss franc appreciation on the mortgage related financial burden was considerable, it did not affect well-being or health outcomes. Any manifestation of adverse effects was absent in the short term, which does not however preclude their long term existence.

  7. 24 CFR 4001.203 - Calculation of upfront and annual mortgage insurance premiums for Program mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...

  8. 24 CFR 4001.203 - Calculation of upfront and annual mortgage insurance premiums for Program mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...

  9. 26 CFR 1.67-3T - Allocation of expenses by real estate mortgage investment conduits (temporary).

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Allocation of expenses by real estate mortgage... Income, Adjusted Gross Income, and Taxable Income § 1.67-3T Allocation of expenses by real estate... real estate mortgage investment conduit or REMIC (as defined in section 860D) shall allocate to each of...

  10. 26 CFR 1.67-3T - Allocation of expenses by real estate mortgage investment conduits (temporary).

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Allocation of expenses by real estate mortgage... Income, Adjusted Gross Income, and Taxable Income § 1.67-3T Allocation of expenses by real estate... real estate mortgage investment conduit or REMIC (as defined in section 860D) shall allocate to each of...

  11. 26 CFR 1.67-3T - Allocation of expenses by real estate mortgage investment conduits (temporary).

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Allocation of expenses by real estate mortgage... Income, Adjusted Gross Income, and Taxable Income § 1.67-3T Allocation of expenses by real estate... real estate mortgage investment conduit or REMIC (as defined in section 860D) shall allocate to each of...

  12. 26 CFR 1.67-3T - Allocation of expenses by real estate mortgage investment conduits (temporary).

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Allocation of expenses by real estate mortgage... Income, Adjusted Gross Income, and Taxable Income § 1.67-3T Allocation of expenses by real estate... real estate mortgage investment conduit or REMIC (as defined in section 860D) shall allocate to each of...

  13. 26 CFR 1.67-3T - Allocation of expenses by real estate mortgage investment conduits (temporary).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Allocation of expenses by real estate mortgage... Income, Adjusted Gross Income, and Taxable Income § 1.67-3T Allocation of expenses by real estate... real estate mortgage investment conduit or REMIC (as defined in section 860D) shall allocate to each of...

  14. 76 FR 77766 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-14

    ... regarding the consumer's mortgage loan; With respect to disclosures concerning interest rate adjustments for hybrid adjustable rate mortgages, informing consumers of pending interest rate adjustments, enabling a... (Reset of Hybrid Adjustable Rate Mortgages), 1420 (Periodic Mortgage Loan Statements) and 1463 (Force...

  15. 39 CFR 3010.25 - Limitation on unused rate adjustment authority rate adjustments.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Limitation on unused rate adjustment authority rate adjustments. 3010.25 Section 3010.25 Postal Service POSTAL REGULATORY COMMISSION PERSONNEL REGULATION OF RATES FOR MARKET DOMINANT PRODUCTS Rules for Applying the Price Cap § 3010.25 Limitation on...

  16. 12 CFR Appendix K to Part 1026 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions K Appendix K to Part 1026 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) Pt. 1026, App. K Appendix K to Part 1026—Total Annual Loan Cost...

  17. 12 CFR Appendix K to Part 1026 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions K Appendix K to Part 1026 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) Pt. 1026, App. K Appendix K to Part 1026—Total Annual Loan Cost...

  18. 24 CFR 200.15 - Maximum mortgage.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Maximum mortgage. 200.15 Section 200.15 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... Eligibility Requirements for Existing Projects Eligible Mortgage § 200.15 Maximum mortgage. Mortgages must not...

  19. 24 CFR 200.17 - Mortgage coverage.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Mortgage coverage. 200.17 Section 200.17 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... Eligibility Requirements for Existing Projects Eligible Mortgage § 200.17 Mortgage coverage. The mortgage...

  20. 24 CFR 200.17 - Mortgage coverage.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Mortgage coverage. 200.17 Section 200.17 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... Eligibility Requirements for Existing Projects Eligible Mortgage § 200.17 Mortgage coverage. The mortgage...

  1. 24 CFR 232.903 - Maximum mortgage limitations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Maximum mortgage limitations. 232... ASSISTED LIVING FACILITIES Insurance of Mortgages Covering Existing Projects § 232.903 Maximum mortgage limitations. Notwithstanding the maximum mortgage limitations set forth in § 232.30, a mortgage within the...

  2. 24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

  3. 24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

  4. 'Mortgaged lives': the biopolitics of debt and housing financialisation.

    PubMed

    García-Lamarca, Melissa; Kaika, Maria

    2016-07-01

    The paper expands the conceptual framework within which we examine mortgage debt by reconceptualising mortgages as a biotechnology: a technology of power over life that forges an intimate relationship between global financial markets, everyday life and human labour. Taking seriously the materiality of mortgage contracts as a means of forging new embodied practices of financialisation, we urge for the need to move beyond a policy- and macroeconomics-based analysis of housing financialisation. We argue that more attention needs to be paid to how funnelling land-related capital flows goes hand in hand with signing off significant parts of future labour, decisionmaking capacity and well-being to mortgage debt repayments. The paper offers two key insights. First, it exemplifies how macroeconomic and policy changes could not have led to the financialisation of housing markets without a parallel biopolitical process that mobilised mortgage contracts to integrate the social reproduction of the workforce into speculative global real-estate practices. Second, it expands the framework of analysis of emerging literature on financialisation and subjectification. Focusing on the mortgage defaults and evictions crisis in Spain, we document how during Spain's 1997-2007 real-estate boom the promise of mortgages as a means to optimise income and wealth enrolled livelihoods into cycles of global financial and real-estate speculation, as home security and future wealth became directly dependent on the fluctuations of financial products, interest rates and capital accumulation strategies rooted in the built environment. When, after 2008 unemployment escalated and housing prices collapsed, mortgages became a punitive technology that led to at least 500 000 foreclosures and over 250 000 evictions in Spain.

  5. 46 CFR 298.31 - Mortgage.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... section. (e) Filing. You must file the Mortgage with the United States Coast Guard's National Vessel... Shipyard Project, a security interest may be perfected by a filing under the Uniform Commercial Code. (b... Mortgage, you must deliver to us the Mortgage and evidence of the filing of the security interest. (f...

  6. 27 CFR 6.34 - Mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2011-04-01 2011-04-01 false Mortgages. 6.34 Section 6.34 Alcohol, Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Interest in Retail Property § 6.34 Mortgages. The acquisition of a mortgage on a retailer's real...

  7. 27 CFR 6.34 - Mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Mortgages. 6.34 Section 6.34 Alcohol, Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Interest in Retail Property § 6.34 Mortgages. The acquisition of a mortgage on a retailer's real...

  8. 76 FR 35966 - Federal Agricultural Mortgage Corporation Governance and Federal Agricultural Mortgage...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-21

    ... FARM CREDIT ADMINISTRATION 12 CFR Parts 651 and 652 RIN 3052-AC51 Federal Agricultural Mortgage Corporation Governance and Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Risk- Based Capital Requirements; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date...

  9. 39 CFR 3010.28 - Maximum size of unused rate adjustment authority rate adjustments.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Maximum size of unused rate adjustment authority rate adjustments. 3010.28 Section 3010.28 Postal Service POSTAL REGULATORY COMMISSION PERSONNEL REGULATION OF RATES FOR MARKET DOMINANT PRODUCTS Rules for Applying the Price Cap § 3010.28 Maximum size of...

  10. 24 CFR 203.18c - One-time or up-front mortgage insurance premium excluded from limitations on maximum mortgage...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance premium excluded from limitations on maximum mortgage amounts. 203.18c Section 203.18c Housing and...-front mortgage insurance premium excluded from limitations on maximum mortgage amounts. After... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE...

  11. 24 CFR 203.18c - One-time or up-front mortgage insurance premium excluded from limitations on maximum mortgage...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... insurance premium excluded from limitations on maximum mortgage amounts. 203.18c Section 203.18c Housing and...-front mortgage insurance premium excluded from limitations on maximum mortgage amounts. After... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE...

  12. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2,3,4 Column B—Interest rate Column C...

  13. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2,3,4 Column B—Interest rate Column C...

  14. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 For Certain Real Estate Companies § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2 3 4 Column B—Interest rate Column C...

  15. 24 CFR 242.14 - Mortgage reserve fund.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage reserve fund. 242.14... MORTGAGE INSURANCE FOR HOSPITALS General Eligibility Requirements § 242.14 Mortgage reserve fund. As a condition of issuing a commitment, HUD shall require establishment of a Mortgage Reserve Fund (MRF). The...

  16. 24 CFR 401.412 - Adjustment of rents based on operating cost adjustment factor (OCAF) or budget.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE RESTRUCTURING PROGRAM (MARK-TO-MARKET) Restructuring Plan § 401.412 Adjustment of rents based on operating cost adjustment factor (OCAF) or budget. (a) OCAF. (1) The Restructuring...

  17. The effect of metropolitan-area mortgage delinquency on health behaviors, access to health services, and self-rated health in the United States, 2003-2010.

    PubMed

    Charters, Thomas J; Harper, Sam; Strumpf, Erin C; Subramanian, S V; Arcaya, Mariana; Nandi, Arijit

    2016-07-01

    The recent housing crisis offers the opportunity to understand the effects of unique indicators of macroeconomic conditions on health. We linked data on the proportion of mortgage borrowers per US metropolitan-area who were at least 90 days delinquent on their payments with individual-level outcomes from a representative sample of 1,021,341 adults surveyed through the Behavioral Risk Factor Surveillance System (BRFSS) between 2003 and 2010. We estimated the effects of metropolitan-area mortgage delinquency on individual health behaviors, medical coverage, and health status, as well as whether effects varied by race/ethnicity. Results showed that increases in the metropolitan-area delinquency rate resulted in decreases in heavy alcohol consumption and increases in exercise and health insurance coverage. However, the delinquency rate was also associated with increases in smoking and obesity in some population groups, suggesting the housing crisis may have induced stress-related behavioral change. Overall, the effects of metropolitan-area mortgage delinquency on population health were relatively modest. Copyright © 2016 Elsevier Ltd. All rights reserved.

  18. 24 CFR 221.254 - Mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...

  19. 24 CFR 221.254 - Mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...

  20. 78 FR 6855 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-31

    ... Parts 1024 and 1026 High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending... 1026 [Docket No. CFPB-2012-0029] RIN 3170-AA12 High-Cost Mortgage and Homeownership Counseling... practices in refinancing and home-equity mortgage loans with high interest rates or high fees. Loans that...

  1. Locus of control and home mortgage loan behaviour.

    PubMed

    Wang, Mingji; Chen, Hong; Wang, Lei

    2008-04-01

    The present study investigated the impact of locus of control on home mortgage loan behaviours. The results showed that participants with stronger external control were more likely to purchase a lower priced home, have a lower ratio of mortgage loan amount to the total home value, and have a shorter term of mortgage loan. Moreover, among participants who have owned a home, those not using mortgage loans showed more external control than those using mortgage loans; among participants who have not owned a home but want to buy a home, those not planning to use mortgage loans showed more external control than those planning to use mortgage loans.

  2. Education Levels and Mortgage Application Outcomes: Evidence of Financial Literacy. Discussion Paper No. 1369-09

    ERIC Educational Resources Information Center

    Collins, J. Michael

    2009-01-01

    This paper uses 2005 Home Mortgage Disclosure Act data aggregated by census tract to measure the relationship between census tract-level college completion rates and the rates at which first lien refinance mortgage applicants submit incomplete loan applications, withdraw loan applications before they are reviewed, and reject lender approved loan…

  3. Higher mortgages, lower energy bills: The real economics of buying an energy-efficient home

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Mills, E.

    1987-02-01

    To measure the actual costs and benefits of buying an energy- efficient home, it is necessary to employ a cash-flow model that accounts for mortgage interest and other charges associated with the incremental costs of conservation measures. The ability to make payments gradually over the term of a mortgage, energy savings, and tax benefits contribute to increased cost effectiveness. Conversely, financial benefits are reduced by interest payments, insurance, taxes, and various fees linked to the (higher) sale price of an energy-efficient home. Accounting for these factors can yield a strikingly different picture from those given by commonly used ''engineering'' indicators,more » such as simple payback time, internal rate of return, or net present value (NPV), which are based solely on incremental costs and energy savings. This analysis uses actual energy savings data and incremental construction costs to evaluate the mortgage cash flow for 79 of the 144 energy-efficient homes constructed in Minnesota under the Energy-Efficient Housing Demonstration Program (EEHDP) initiated in 1980 by the Minnesota Housing Finance Agency. Using typical lending terms and fees, we find that the mean mortgage-NPV derived from the homeowners' real cash flow (including construction and financing costs) is 20% lower than the standard engineering-NPV of the conservation investment: $7981 versus $9810. For eight homes, the mortgage-NPV becomes negative once we account for the various mortgage-related effects. Sensitivities to interest rates, down payment, loan term, and marginal tax rate are included to illustrate the often large impact of alternative assumptions about these parameters. The most dramatic effect occurs when the loan term is reduced from 30 to 15 years and the mortgage NPV falls to -$925. We also evaluate the favorable Federal Home Administration (FHA) terms actually applied to the EEHDP homes. 8 refs., 4 figs., 3 tabs.« less

  4. Energy Factors in Commercial Mortgages: Gaps and Opportunities

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Mathew, Paul; Coleman, Philip; Wallace, Nancy

    2016-09-01

    The commercial real estate mortgage market is enormous, with almost half a trillion dollars in deals originated in 2015. Relative to other energy efficiency financing mechanisms, very little attention has been paid to the potential of commercial mortgages as a channel for promoting energy efficiency investments. The valuation and underwriting elements of the business are largely driven by the “net operating income” (NOI) metric – essentially, rents minus expenses. While NOI ostensibly includes all expenses, energy factors are in several ways given short shrift in the underwriting process. This is particularly interesting when juxtaposed upon a not insignificant body ofmore » research revealing that there are in fact tangible benefits (such as higher valuations and lower vacancy and default rates) for energy-efficient and “green” commercial buildings. This scoping report characterizes the current status and potential interventions to promote greater inclusion of energy factors in the commercial mortgage process.« less

  5. 24 CFR 241.1030 - Mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...

  6. 24 CFR 241.1030 - Mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...

  7. 78 FR 10367 - Appraisals for Higher-Priced Mortgage Loans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-13

    ...The Board, Bureau, FDIC, FHFA, NCUA, and OCC (collectively, the Agencies) are issuing a final rule to amend Regulation Z, which implements the Truth in Lending Act (TILA), and the official interpretation to the regulation. The revisions to Regulation Z implement a new provision requiring appraisals for ``higher-risk mortgages'' that was added to TILA by the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act or Act). For mortgages with an annual percentage rate that exceeds the average prime offer rate by a specified percentage, the final rule requires creditors to obtain an appraisal or appraisals meeting certain specified standards, provide applicants with a notification regarding the use of the appraisals, and give applicants a copy of the written appraisals used.

  8. 24 CFR 203.32 - Mortgage lien.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... obligations contracted in connection with the mortgage transaction or the purchase of the mortgaged property, except obligations that are secured by property or collateral owned by the mortgagor independently of the...

  9. 24 CFR 266.415 - Mortgage lien and other obligations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... determine, that all contractual obligations in connection with the mortgage transaction, including the... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage lien and other obligations... Mortgage and Closing Requirements; HUD Endorsement § 266.415 Mortgage lien and other obligations. (a) Liens...

  10. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

  11. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

  12. 24 CFR 266.604 - Mortgage insurance premium: Other requirements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...

  13. 24 CFR 266.604 - Mortgage insurance premium: Other requirements.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...

  14. 75 FR 80675 - Home Mortgage Disclosure

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-23

    ...The Board is publishing a final rule amending the staff commentary that interprets the requirements of Regulation C (Home Mortgage Disclosure). The staff commentary is amended to increase the asset-size exemption threshold for depository institutions based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPIW). The adjustment from $39 million to $40 million reflects the increase of that index by 2.21 percent during the twelve-month period ending in November 2010. Thus, depository institutions with assets of $40 million or less as of December 31, 2010 are exempt from collecting data in 2011.

  15. 76 FR 42140 - Rate Adjustment Remand

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-18

    ... POSTAL REGULATORY COMMISSION [Docket No. R2010-4R; Order No. 757] Rate Adjustment Remand AGENCY... the causation standard in exigent rate adjustments. This notice provides information on legal... of the Commission's September 30, 2010 order denying a Postal Service request for an exigent rate...

  16. 76 FR 6185 - Registration of Mortgage Loan Originators

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-03

    ... UNION ADMINISTRATION Registration of Mortgage Loan Originators AGENCY: Office of the Comptroller of the..., Agency-regulated institutions) who act as a residential mortgage loan originator to register with the... registration system for mortgage loan originators. Specifically, the Act requires: (1) All States to provide...

  17. 24 CFR 242.86 - Property and mortgage assessment.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Property and mortgage assessment... AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Miscellaneous Requirements § 242.86 Property and mortgage... responsibility for making those investigations, analysis, and inspections it deems necessary for protecting its...

  18. 24 CFR 235.1214 - Mortgage lien.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...: Contract Rights and Obligations; Assistance Payments Contracts; Servicing Responsibilities-Refinancing... unpaid obligations contracted in connection with the mortgage transaction or the purchase of the mortgaged property, except obligations that are secured by property or collateral owned by the mortgagor...

  19. 17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... business (total) Unimproved (total) Total 12 1 All money columns shall be totaled. 2 If mortgages represent... profit and loss or income statement, interest income earned applicable to period from mortgages sold or... column C includes intercompany profits, state the bases of the transactions resulting in such profits and...

  20. 7 CFR 1718.52 - Existing mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Existing mortgages. 1718.52 Section 1718.52 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers § 1718.52...

  1. 24 CFR 235.1212 - Mortgage provisions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage provisions. 235.1212 Section 235.1212 Housing and Urban Development Regulations Relating to Housing and Urban Development... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  2. Commercial mortgages: An underutilized channel for scaling energy efficiency investments?

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Mathew, Paul; Wallace, Nancy; Alschuler, Elena

    2016-02-01

    Commercial mortgages currently do not fully account for energy factors in underwriting and valuation, particularly as it relates to the impact of energy costs and volatility on an owner’s net operating income. As a consequence, energy efficiency is not properly valued and energy risks are not properly assessed and mitigated. Commercial mortgages are a large lever and could be a significant channel for scaling energy efficiency investments. A pilot analysis of loans with different mortgage contract structures and locations showed that when energy cost volatility was included in mortgage valuation, a 20% reduction in energy use resulted in a 1.3%more » average increase in mortgage value. This suggests that the explicit inclusion of energy use and volatility in mortgage valuation can send a strong price signal that financially rewards and values energy efficiency in commercial properties. This paper presents findings from a scoping study addressing energy factors in commercial mortgages. First, we present a review of current practices as it relates to incorporating energy factors into commercial mortgage underwriting and valuation. Next, we detail the impacts of energy factors on property values, net operating income and mortgage valuation. Building operational practices alone can result in energy use variations from -17% to 87%. Finally, we present a set of proposed interventions to properly address energy factors in commercial mortgages, based on extensive discussions with stakeholders including mortgage originators, underwriters, building owners and regulators.« less

  3. 24 CFR 203.17 - Mortgage provisions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage provisions. 203.17 Section 203.17 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE...

  4. 78 FR 70856 - Information Reporting of Mortgage Insurance Premiums

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-27

    ... Information Reporting of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... regulations that require information reporting by persons who receive mortgage insurance premiums, including... reporting requirements that result from the extension of the treatment of mortgage insurance premiums made...

  5. 24 CFR 266.410 - Mortgage provisions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Mortgage and... than the purpose intended on the day the mortgage was executed. The conversion of a project from rental... requirements apply as long as the HFA retains an interest in the project and final claim settlement has not...

  6. Energy Considerations in Home Mortgages: An Evaluation Technique.

    ERIC Educational Resources Information Center

    Maine Audubon Society, Falmouth.

    This document, intended primarily for mortgage lenders, is designed to aid readers in evaluating solar heating technology in the aspects of its capital cost and potential for recovery of investment. Whether or not American consumers will fully exploit this alternative will depend upon interest rates, the allocation of capital to finance the higher…

  7. 46 CFR 356.31 - Maintenance of Mortgage Trustee approval.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...

  8. 46 CFR 356.31 - Maintenance of Mortgage Trustee approval.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...

  9. 46 CFR 356.31 - Maintenance of Mortgage Trustee approval.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...

  10. 46 CFR 356.31 - Maintenance of Mortgage Trustee approval.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...

  11. 46 CFR 356.31 - Maintenance of Mortgage Trustee approval.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...

  12. 24 CFR 203.436 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...

  13. 24 CFR 203.436 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...

  14. 24 CFR 203.436 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...

  15. 24 CFR 203.436 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...

  16. 24 CFR 203.436 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...

  17. 24 CFR 203.45 - Eligibility of graduated payment mortgages.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Eligibility of graduated payment mortgages. 203.45 Section 203.45 Housing and Urban Development Regulations Relating to Housing and Urban... Properties § 203.45 Eligibility of graduated payment mortgages. A mortgage containing provisions for varying...

  18. 24 CFR 203.45 - Eligibility of graduated payment mortgages.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Eligibility of graduated payment mortgages. 203.45 Section 203.45 Housing and Urban Development Regulations Relating to Housing and Urban... Properties § 203.45 Eligibility of graduated payment mortgages. A mortgage containing provisions for varying...

  19. 24 CFR 203.45 - Eligibility of graduated payment mortgages.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Eligibility of graduated payment mortgages. 203.45 Section 203.45 Housing and Urban Development Regulations Relating to Housing and Urban... Properties § 203.45 Eligibility of graduated payment mortgages. A mortgage containing provisions for varying...

  20. 24 CFR 203.45 - Eligibility of graduated payment mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Eligibility of graduated payment mortgages. 203.45 Section 203.45 Housing and Urban Development Regulations Relating to Housing and Urban... Properties § 203.45 Eligibility of graduated payment mortgages. A mortgage containing provisions for varying...

  1. 31 CFR 337.13 - Payment of mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... insurance premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Payment of mortgage insurance...

  2. 31 CFR 337.13 - Payment of mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Payment of mortgage insurance premiums... premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance premiums...

  3. 31 CFR 337.8 - Payment of mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Payment of mortgage insurance premiums... proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be issued to...

  4. Undergraduate Research: Mathematical Modeling of Mortgages

    ERIC Educational Resources Information Center

    Choi, Youngna; Spero, Steven

    2010-01-01

    In this article, we study financing in the real estate market and show how various types of mortgages can be modeled and analyzed. With only an introductory level of interest theory, finance, and calculus, we model and analyze three types of popular mortgages with real life examples that explain the background and inevitable outcome of the current…

  5. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...

  6. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...

  7. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...

  8. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...

  9. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...

  10. 24 CFR 242.26 - Agreed interest rate.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Agreed interest rate. 242.26... MORTGAGE INSURANCE FOR HOSPITALS Mortgage Requirements § 242.26 Agreed interest rate. (a) The mortgage shall bear interest at the rate or rates agreed upon by the mortgagee and the mortgagor. (b) The amount...

  11. 24 CFR 221.753 - Termination of mortgage insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES LOW COST AND MODERATE INCOME MORTGAGE INSURANCE-SAVINGS CLAUSE Contract Rights and Obligations...

  12. 12 CFR 615.5141 - Stress tests for mortgage securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Stress tests for mortgage securities. 615.5141... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615.5141 Stress... stress test. You must perform stress tests to determine how interest rate changes will affect the...

  13. 12 CFR 615.5141 - Stress tests for mortgage securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615.5141 Stress... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Stress tests for mortgage securities. 615.5141... stress test. You must perform stress tests to determine how interest rate changes will affect the...

  14. 12 CFR 615.5141 - Stress tests for mortgage securities.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615.5141 Stress... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Stress tests for mortgage securities. 615.5141... stress test. You must perform stress tests to determine how interest rate changes will affect the...

  15. 12 CFR 615.5141 - Stress tests for mortgage securities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615.5141 Stress... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Stress tests for mortgage securities. 615.5141... stress test. You must perform stress tests to determine how interest rate changes will affect the...

  16. A boundary PDE feedback control approach for the stabilization of mortgage price dynamics

    NASA Astrophysics Data System (ADS)

    Rigatos, G.; Siano, P.; Sarno, D.

    2017-11-01

    Several transactions taking place in financial markets are dependent on the pricing of mortgages (loans for the purchase of residences, land or farms). In this article, a method for stabilization of mortgage price dynamics is developed. It is considered that mortgage prices follow a PDE model which is equivalent to a multi-asset Black-Scholes PDE. Actually it is a diffusion process evolving in a 2D assets space, where the first asset is the house price and the second asset is the interest rate. By applying semi-discretization and a finite differences scheme this multi-asset PDE is transformed into a state-space model consisting of ordinary nonlinear differential equations. For the local subsystems, into which the mortgage PDE is decomposed, it becomes possible to apply boundary-based feedback control. The controller design proceeds by showing that the state-space model of the mortgage price PDE stands for a differentially flat system. Next, for each subsystem which is related to a nonlinear ODE, a virtual control input is computed, that can invert the subsystem's dynamics and can eliminate the subsystem's tracking error. From the last row of the state-space description, the control input (boundary condition) that is actually applied to the multi-factor mortgage price PDE system is found. This control input contains recursively all virtual control inputs which were computed for the individual ODE subsystems associated with the previous rows of the state-space equation. Thus, by tracing the rows of the state-space model backwards, at each iteration of the control algorithm, one can finally obtain the control input that should be applied to the mortgage price PDE system so as to assure that all its state variables will converge to the desirable setpoints. By showing the feasibility of such a control method it is also proven that through selected modification of the PDE boundary conditions the price of the mortgage can be made to converge and stabilize at specific

  17. 42 CFR 416.172 - Adjustments to national payment rates.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 3 2014-10-01 2014-10-01 false Adjustments to national payment rates. 416.172... Adjustments to national payment rates. (a) General rule. Contractors adjust the payment rates established for...; or (2) The geographically adjusted payment rate determined under this subpart. (c) Geographic...

  18. 42 CFR 416.172 - Adjustments to national payment rates.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 3 2012-10-01 2012-10-01 false Adjustments to national payment rates. 416.172... Adjustments to national payment rates. (a) General rule. Contractors adjust the payment rates established for...; or (2) The geographically adjusted payment rate determined under this subpart. (c) Geographic...

  19. 7 CFR 4287.112 - Interest rate adjustments.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest rate adjustments. 4287.112 Section 4287.112... Loans § 4287.112 Interest rate adjustments. (a) Reductions. The borrower, lender, and holder (if any) may collectively initiate a permanent or temporary reduction in the interest rate of the guaranteed...

  20. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2... amount of the extended mortgages, explain. 7 If any item of mortgage loans on real estate investments has...

  1. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2... amount of the extended mortgages, explain. 7 If any item of mortgage loans on real estate investments has...

  2. 24 CFR 242.35 - Mortgage lien certifications.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage lien certifications. 242.35 Section 242.35 Housing and Urban Development Regulations Relating to Housing and Urban Development... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  3. 24 CFR 242.7 - Maximum mortgage amounts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Maximum mortgage amounts. 242.7 Section 242.7 Housing and Urban Development Regulations Relating to Housing and Urban Development... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  4. 12 CFR 614.4055 - Federal Agricultural Mortgage Corporation loan participations.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Federal Agricultural Mortgage Corporation loan... POLICIES AND OPERATIONS Lending Authorities § 614.4055 Federal Agricultural Mortgage Corporation loan... direct lender association may buy from, and sell to, the Federal Agricultural Mortgage Corporation...

  5. 24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

  6. 24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

  7. 9 CFR 55.6 - Mortgage against animals.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 9 Animals and Animal Products 1 2011-01-01 2011-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...

  8. 9 CFR 55.6 - Mortgage against animals.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 9 Animals and Animal Products 1 2012-01-01 2012-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...

  9. 9 CFR 55.6 - Mortgage against animals.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 9 Animals and Animal Products 1 2014-01-01 2014-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...

  10. 9 CFR 55.6 - Mortgage against animals.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 9 Animals and Animal Products 1 2013-01-01 2013-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...

  11. 9 CFR 55.6 - Mortgage against animals.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...

  12. 78 FR 63379 - Registration of Mortgage Loan Originators; Effective Date

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-24

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators... loan originators employed by Farm Credit System (FCS or System) institutions. We repealed these... Enforcement for Mortgage Licensing Act (S.A.F.E. Act), which require residential mortgage loan originators at...

  13. 24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...

  14. 24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...

  15. 12 CFR 34.20 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... the lender, pursuant to an agreement with the borrower, may adjust the rate of interest from time to... Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Adjustable-Rate Mortgages § 34.20 Definitions. Adjustable-rate mortgage (ARM) loan means an extension of...

  16. 76 FR 7883 - Postal Service Rate Adjustment

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-11

    ... POSTAL REGULATORY COMMISSION [Docket No. R2011-4; Order No. 663] Postal Service Rate Adjustment AGENCY: Postal Regulatory Commission. ACTION: Notice. SUMMARY: The Commission is noticing a recently-filed Postal Service request concerning a Type 2 rate adjustment. This notice addresses procedural steps...

  17. 75 FR 35030 - Home Mortgage Disclosure Act; Notice of Hearings

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-21

    ... FEDERAL RESERVE SYSTEM [Docket No. OP-1388] RIN 7100-AD51 Home Mortgage Disclosure Act; Notice of... revisions to the Board's Regulation C, which implements the Home Mortgage Disclosure Act (HMDA). HMDA.... SUPPLEMENTARY INFORMATION: I. Background A. HMDA and Regulation C The Home Mortgage Disclosure Act (HMDA), 12 U...

  18. 24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...

  19. 24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...

  20. 24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...

  1. 24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...

  2. 24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...

  3. 24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...

  4. 24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...

  5. 18 CFR 154.403 - Periodic rate adjustments.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 18 Conservation of Power and Water Resources 1 2014-04-01 2014-04-01 false Periodic rate adjustments. 154.403 Section 154.403 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... Changes § 154.403 Periodic rate adjustments. (a) This section applies to the passthrough, on a periodic...

  6. 18 CFR 154.403 - Periodic rate adjustments.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 18 Conservation of Power and Water Resources 1 2012-04-01 2012-04-01 false Periodic rate adjustments. 154.403 Section 154.403 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... Changes § 154.403 Periodic rate adjustments. (a) This section applies to the passthrough, on a periodic...

  7. 18 CFR 154.403 - Periodic rate adjustments.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 18 Conservation of Power and Water Resources 1 2011-04-01 2011-04-01 false Periodic rate adjustments. 154.403 Section 154.403 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... Changes § 154.403 Periodic rate adjustments. (a) This section applies to the passthrough, on a periodic...

  8. 18 CFR 154.403 - Periodic rate adjustments.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 18 Conservation of Power and Water Resources 1 2013-04-01 2013-04-01 false Periodic rate adjustments. 154.403 Section 154.403 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... Changes § 154.403 Periodic rate adjustments. (a) This section applies to the passthrough, on a periodic...

  9. 75 FR 51623 - Registration of Mortgage Loan Originators

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-23

    ..., savings association, credit union or Farm Credit System (FCS) institution and certain of their... institutions) who acts as a residential mortgage loan originator to register with the Nationwide Mortgage... further provides that Agency- regulated institutions must: require their employees who act as residential...

  10. 7 CFR 1718.54 - Availability of model mortgage.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model mortgage. 1718.54 Section 1718.54 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers...

  11. 26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Information reporting of mortgage insurance premiums (temporary). (a) Information reporting requirements. Any... section applies to the receipt of all payments of mortgage insurance premiums, by cash or financing... premiums is determined on a mortgage-by-mortgage basis. A recipient need not aggregate mortgage insurance...

  12. 12 CFR Appendix H to Part 226 - Closed-End Model Forms and Clauses

    Code of Federal Regulations, 2010 CFR

    2018-01-01

    ... Payment Summary Model Clause (§ 226.18(s)) H-4(F)—Adjustable-Rate Mortgage or Step-Rate Mortgage Interest Rate and Payment Summary Model Clause (§ 226.18(s)) H-4(G)—Mortgage with Negative Amortization Interest Rate and Payment Summary Model Clause (§ 226.18(s)) H-4(H)—Fixed-Rate Mortgage with Interest-Only...

  13. 77 FR 70105 - Delayed Implementation of Certain New Mortgage Disclosures

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-23

    ...The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (Truth in Lending) to, in effect, delay implementation of certain new mortgage disclosure requirements in title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act that would otherwise take effect on January 21, 2013. Instead, to avoid potential consumer confusion and reduce compliance burden for industry, the Bureau plans to implement these disclosures as part of the integrated mortgage disclosure forms proposed earlier this year, which combine certain disclosures that consumers receive in connection with applying for and closing on a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Accordingly, this rulemaking exempts persons from complying with these mortgage disclosure requirements and provides that such exemptions are intended to last only until the integrated mortgage disclosure forms take effect.

  14. 77 FR 39222 - Consumer Use of Reverse Mortgages

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-02

    ... influence reverse mortgage consumers' decision-making, consumers' use of reverse mortgage loan proceeds.... Sensitive personal information such as account numbers or Social Security numbers should not be included... personal information that could be used to identify an individual consumer or account, nor should they...

  15. 76 FR 43826 - Mortgage Acts and Practices-Advertising

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-22

    ... involving loan modification and foreclosure rescue services.'' \\7\\ The Omnibus Appropriations Act, as... respect to mortgage assistance relief services. See Mortgage Assistance Relief Services (MARS), Final Rule....e., likely to affect consumers' decisions to purchase or use the product or service at issue.\\9...

  16. 24 CFR 203.18 - Maximum mortgage amounts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Housing Act, if that provision is in effect and applies to the mortgage; or (ii) If section 203(b)(10) is not in effect or otherwise does not apply to the mortgage, the lesser of the amounts based on...), except that closing costs do not apply if section 203(b)(10) of the National Housing Act is in effect and...

  17. 24 CFR 203.18 - Maximum mortgage amounts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... Housing Act, if that provision is in effect and applies to the mortgage; or (ii) If section 203(b)(10) is not in effect or otherwise does not apply to the mortgage, the lesser of the amounts based on...), except that closing costs do not apply if section 203(b)(10) of the National Housing Act is in effect and...

  18. 24 CFR 203.18 - Maximum mortgage amounts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... Housing Act, if that provision is in effect and applies to the mortgage; or (ii) If section 203(b)(10) is not in effect or otherwise does not apply to the mortgage, the lesser of the amounts based on...), except that closing costs do not apply if section 203(b)(10) of the National Housing Act is in effect and...

  19. 24 CFR 203.18 - Maximum mortgage amounts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... Housing Act, if that provision is in effect and applies to the mortgage; or (ii) If section 203(b)(10) is not in effect or otherwise does not apply to the mortgage, the lesser of the amounts based on...), except that closing costs do not apply if section 203(b)(10) of the National Housing Act is in effect and...

  20. 24 CFR 203.18 - Maximum mortgage amounts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Housing Act, if that provision is in effect and applies to the mortgage; or (ii) If section 203(b)(10) is not in effect or otherwise does not apply to the mortgage, the lesser of the amounts based on...), except that closing costs do not apply if section 203(b)(10) of the National Housing Act is in effect and...

  1. Difficulties with Regression Analysis of Age-Adjusted Rates.

    DTIC Science & Technology

    1982-09-01

    variables used in those analyses, such as death rates in various states, have been age adjusted, whereas the predictor variables have not been age adjusted...The use of crude state death rates as the outcome variable with crude covariates and age as predictors can avoid the problem, at least under some...should be regressed on age-adjusted exposure Z+B+ Although age-specific death rates , Yas+’ may be available, it is often difficult to obtain age

  2. 77 FR 8721 - Home Mortgage Disclosure (Regulation C)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-15

    ... Home Mortgage Disclosure (Regulation C) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final... a final rule amending the official commentary that interprets the requirements of Regulation C (Home.... SUPPLEMENTARY INFORMATION: The Home Mortgage Disclosure Act of 1975, as amended (HMDA; 12 U.S.C. 2801 et seq...

  3. 24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...

  4. 24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...

  5. 76 FR 78465 - Home Mortgage Disclosure (Regulation C)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-19

    ... 44 U.S.C. 1510. #0; #0;The Code of Federal Regulations is sold by the Superintendent of Documents. #0... Mortgage Disclosure (Regulation C) AGENCY: Bureau of Consumer Financial Protection. ACTION: Interim final... a new Regulation C (Home Mortgage Disclosure). This interim final rule does not impose any new...

  6. 24 CFR 203.421 - Allocation of Mutual Mortgage Insurance Fund income or loss.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Mortgage Insurance Fund and Distributive Shares § 203.421 Allocation of Mutual Mortgage Insurance Fund... of the entire Mutual Mortgage Insurance Fund, such net income or such loss to the General Surplus... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Allocation of Mutual Mortgage...

  7. 25 CFR 162.582 - May a lessee mortgage a WSR lease?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 25 Indians 1 2013-04-01 2013-04-01 false May a lessee mortgage a WSR lease? 162.582 Section 162.582 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.582 May a lessee mortgage a WSR lease? (a...

  8. 25 CFR 162.582 - May a lessee mortgage a WSR lease?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 25 Indians 1 2014-04-01 2014-04-01 false May a lessee mortgage a WSR lease? 162.582 Section 162.582 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.582 May a lessee mortgage a WSR lease? (a...

  9. 39 CFR 3010.14 - Contents of notice of rate adjustment.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Contents of notice of rate adjustment. 3010.14... Adjustments) § 3010.14 Contents of notice of rate adjustment. (a) General. The Postal Service notice of rate... sources; (4) The amount of new unused rate authority, if any, that will be generated by the rate...

  10. Analysis of Tax-deductible Interest Payments for Re-advanceable Canadian Mortgages

    NASA Astrophysics Data System (ADS)

    Naseem, Almas; Reesor, Mark

    2011-11-01

    According to Canadian tax law the interest on loans used for investment purposes is tax deductible while interest on personal mortgage loans is not. One way of transforming from non-tax deductible to tax deductible interest expenses is to borrow against home equity to make investments. A re-advanceable mortgage is a product specifically designed to take advantage of this tax discrepancy. Using simulation we study the risk associated with the re-advanceable mortgage strategy to provide a better description of the mortgagor's position. We assume that the mortgagor invests the borrowings secured by home equity into a single risky asset (e.g., stock or mutual fund) whose evolution is described by geometric Brownian motion (GBM). With a re-advanceable mortgage we find that the average mortgage payoff time is less than the original mortgage term. However, there is considerable variation in the payoff times with a significant probability of a payoff time exceeding the original mortgage term. Higher income homeowners enjoy a payoff time distribution with both a lower average and a lower standard deviation than low-income homeowners. Thus this strategy is most beneficial to those with the highest income. We also find this strategy protects the homeowner in the event of job loss. This work is important to lenders, financial planners and homeowners to more fully understand the benefits and risk associated with this strategy.

  11. 7 CFR 1421.102 - Adjustment of basic loan rates.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... be adjusted or not adjusted as follows: (1) For farm-stored commodities, except for peanuts, that... rate. (3) With respect to commodities harvested, excluding silage or hay, as other than grain and... basic county loan rate shall not be adjusted to reflect the protein content. (5) With respect to...

  12. 24 CFR 203.422 - Right and liability under Mutual Mortgage Insurance Fund.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Mortgage Insurance Fund and Distributive Shares § 203.422 Right and liability under Mutual Mortgage... to any liability arising under the mutuality of the Mutual Mortgage Insurance Fund. ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Right and liability under Mutual...

  13. 24 CFR 203.422 - Right and liability under Mutual Mortgage Insurance Fund.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Mortgage Insurance Fund and Distributive Shares § 203.422 Right and liability under Mutual Mortgage... to any liability arising under the mutuality of the Mutual Mortgage Insurance Fund. ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Right and liability under Mutual...

  14. 5 CFR 536.305 - Adjusting an employee's retained rate when a pay schedule is adjusted.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... conversion under § 536.303(b) or any other simultaneous pay action. The retained rate adjustment under... new retained rate must be determined under the geographic conversion rule in § 536.303(b). (4... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Adjusting an employee's retained rate...

  15. 31 CFR 337.8 - Payment of mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... insurance premiums. When certificated debentures are tendered for purchase prior to maturity in order that the proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be...

  16. 46 CFR 356.37 - Operation of a Fishing Industry Vessel by a Mortgage Trustee.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 46 Shipping 8 2013-10-01 2013-10-01 false Operation of a Fishing Industry Vessel by a Mortgage... ENDORSEMENT TO THE VESSEL'S DOCUMENTATION Mortgage Trustees § 356.37 Operation of a Fishing Industry Vessel by a Mortgage Trustee. An approved Mortgage Trustee cannot operate a Fishing Industry Vessel without...

  17. 46 CFR 356.37 - Operation of a Fishing Industry Vessel by a Mortgage Trustee.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 8 2014-10-01 2014-10-01 false Operation of a Fishing Industry Vessel by a Mortgage... ENDORSEMENT TO THE VESSEL'S DOCUMENTATION Mortgage Trustees § 356.37 Operation of a Fishing Industry Vessel by a Mortgage Trustee. An approved Mortgage Trustee cannot operate a Fishing Industry Vessel without...

  18. 46 CFR 356.37 - Operation of a Fishing Industry Vessel by a Mortgage Trustee.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 8 2012-10-01 2012-10-01 false Operation of a Fishing Industry Vessel by a Mortgage... ENDORSEMENT TO THE VESSEL'S DOCUMENTATION Mortgage Trustees § 356.37 Operation of a Fishing Industry Vessel by a Mortgage Trustee. An approved Mortgage Trustee cannot operate a Fishing Industry Vessel without...

  19. 7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...

  20. 7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 11 2012-01-01 2012-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...

  1. 7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 11 2014-01-01 2014-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...

  2. 7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...

  3. 7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 11 2013-01-01 2013-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...

  4. 76 FR 40455 - Agency Information Collection (Veterans Mortgage Life Insurance Inquiry) Activity Under OMB Review

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-08

    ... Mortgage Life Insurance Inquiry) Activity Under OMB Review AGENCY: Veterans Benefits Administration... refer to ``OMB Control No. 2900-0501.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life... approved collection. Abstract: Veterans whose mortgage is insured under Veterans Mortgage Life Insurance...

  5. 24 CFR 234.259 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...

  6. 24 CFR 234.259 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...

  7. 24 CFR 234.259 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...

  8. 24 CFR 234.259 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...

  9. 24 CFR 234.259 - Claim procedure-graduated payment mortgages.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...

  10. 9 CFR 53.9 - Mortgage against animals or materials.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 9 Animals and Animal Products 1 2012-01-01 2012-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...

  11. 9 CFR 53.9 - Mortgage against animals or materials.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...

  12. 9 CFR 53.9 - Mortgage against animals or materials.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 9 Animals and Animal Products 1 2013-01-01 2013-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...

  13. 9 CFR 53.9 - Mortgage against animals or materials.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 9 Animals and Animal Products 1 2011-01-01 2011-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...

  14. 9 CFR 53.9 - Mortgage against animals or materials.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 9 Animals and Animal Products 1 2014-01-01 2014-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...

  15. 12 CFR 1007.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) Principal business location address and business contact information; (D) Social security number; (E) Gender... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Registration of mortgage loan originators. 1007.103 Section 1007.103 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION S.A.F.E. MORTGAGE...

  16. 12 CFR 1007.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) Principal business location address and business contact information; (D) Social security number; (E) Gender... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Registration of mortgage loan originators. 1007.103 Section 1007.103 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION S.A.F.E. MORTGAGE...

  17. 12 CFR 1007.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) Principal business location address and business contact information; (D) Social security number; (E) Gender... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Registration of mortgage loan originators. 1007.103 Section 1007.103 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION S.A.F.E. MORTGAGE...

  18. 78 FR 36829 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-19

    ... (Veterans Mortgage Life Insurance Statement) Activity: Comment Request AGENCY: Veterans Benefits... to decline Veterans Mortgage Life Insurance. DATES: Written comments and recommendations on the... use of other forms of information technology. Title: Veterans Mortgage Life Insurance Statement, VA...

  19. 76 FR 24571 - Proposed Information Collection (Veterans Mortgage Life Insurance Inquiry); Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-02

    ... (Veterans Mortgage Life Insurance Inquiry); Comment Request AGENCY: Veterans Benefits Administration... maintain Veterans Mortgage Life Insurance accounts. DATES: Written comments and recommendations on the... use of other forms of information technology. Title: Veterans Mortgage Life Insurance Inquiry, VA Form...

  20. 75 FR 68040 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-04

    ... (Veterans Mortgage Life Insurance Statement) Activity: Comment Request AGENCY: Veterans Benefits... to decline Veterans Mortgage Life Insurance. DATES: Written comments and recommendations on the... techniques or the use of other forms of information technology. Title: Veterans Mortgage Life Insurance...

  1. 12 CFR 365.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... OF GENERAL POLICY REAL ESTATE LENDING STANDARDS Registration of Residential Mortgage Loan Originators... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees...) identified in paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify...

  2. 12 CFR 365.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... OF GENERAL POLICY REAL ESTATE LENDING STANDARDS Registration of Residential Mortgage Loan Originators... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees...) identified in paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify...

  3. 12 CFR 365.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... OF GENERAL POLICY REAL ESTATE LENDING STANDARDS Registration of Residential Mortgage Loan Originators... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees...) identified in paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify...

  4. 12 CFR 365.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... OF GENERAL POLICY REAL ESTATE LENDING STANDARDS Registration of Residential Mortgage Loan Originators... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees...) identified in paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify...

  5. 24 CFR 200.83 - Interest rate.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Interest rate. 200.83 Section 200... Eligibility Requirements for Existing Projects Mortgage Provisions § 200.83 Interest rate. (a) The mortgage shall bear interest at the rate agreed upon by the mortgagee and the mortgagor. (b) Interest shall be...

  6. 24 CFR 200.83 - Interest rate.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Interest rate. 200.83 Section 200... Eligibility Requirements for Existing Projects Mortgage Provisions § 200.83 Interest rate. (a) The mortgage shall bear interest at the rate agreed upon by the mortgagee and the mortgagor. (b) Interest shall be...

  7. 24 CFR 200.83 - Interest rate.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Interest rate. 200.83 Section 200... Eligibility Requirements for Existing Projects Mortgage Provisions § 200.83 Interest rate. (a) The mortgage shall bear interest at the rate agreed upon by the mortgagee and the mortgagor. (b) Interest shall be...

  8. 24 CFR 200.83 - Interest rate.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Interest rate. 200.83 Section 200... Eligibility Requirements for Existing Projects Mortgage Provisions § 200.83 Interest rate. (a) The mortgage shall bear interest at the rate agreed upon by the mortgagee and the mortgagor. (b) Interest shall be...

  9. 24 CFR 200.83 - Interest rate.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Interest rate. 200.83 Section 200... Eligibility Requirements for Existing Projects Mortgage Provisions § 200.83 Interest rate. (a) The mortgage shall bear interest at the rate agreed upon by the mortgagee and the mortgagor. (b) Interest shall be...

  10. 12 CFR 1270.5 - Leverage limit and credit rating requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Mortgage Association (Fannie Mae), or Collateralized Mortgage Obligations (CMOs), including Real Estate Mortgage Investment Conduits (REMICs), backed by such securities; (xi) Other MBS, CMOs, and REMICs rated in...

  11. 12 CFR 1270.5 - Leverage limit and credit rating requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Mortgage Association (Fannie Mae), or Collateralized Mortgage Obligations (CMOs), including Real Estate Mortgage Investment Conduits (REMICs), backed by such securities; (xi) Other MBS, CMOs, and REMICs rated in...

  12. 12 CFR 1270.5 - Leverage limit and credit rating requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Mortgage Association (Fannie Mae), or Collateralized Mortgage Obligations (CMOs), including Real Estate Mortgage Investment Conduits (REMICs), backed by such securities; (xi) Other MBS, CMOs, and REMICs rated in...

  13. 77 FR 23273 - Proposed Information Collection; Comment Request: Home Equity Conversion Mortgage Counseling...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-18

    ... Collection; Comment Request: Home Equity Conversion Mortgage Counseling Client Survey AGENCY: Office of the... information: Title of Proposal: Home Equity Conversion Mortgage Counseling Client Survey. OMB Control Number... reverse mortgage counseling. As part of HUD's evaluation of its HECM counseling program, performance...

  14. Alternatives for using multivariate regression to adjust prospective payment rates

    PubMed Central

    Sheingold, Steven H.

    1990-01-01

    Multivariate regression analysis has been used in structuring three of the adjustments to Medicare's prospective payment rates. Because the indirect-teaching adjustment, the disproportionate-share adjustment, and the adjustment for large cities are responsible for distributing approximately $3 billion in payments each year, the specification of regression models for these adjustments is of critical importance. In this article, the application of regression for adjusting Medicare's prospective rates is discussed, and the implications that differing specifications could have for these adjustments are demonstrated. PMID:10113271

  15. 10 CFR 436.22 - Adjusted internal rate of return.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Methodology and Procedures for Life Cycle Cost Analyses § 436.22 Adjusted internal rate of return. The adjusted internal rate of return is the overall rate of return on an energy or water conservation measure... yearly net savings in energy or water and non-fuel or non-water operation and maintenance costs...

  16. 9 CFR 56.7 - Mortgage against poultry or eggs.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against poultry or eggs. 56.7... PATHOGENIC AVIAN INFLUENZA § 56.7 Mortgage against poultry or eggs. When poultry or eggs have been destroyed... poultry or eggs must certify on the forms that the poultry or eggs covered are, or are not, subject to any...

  17. 9 CFR 56.7 - Mortgage against poultry or eggs.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 9 Animals and Animal Products 1 2011-01-01 2011-01-01 false Mortgage against poultry or eggs. 56.7... PATHOGENIC AVIAN INFLUENZA § 56.7 Mortgage against poultry or eggs. When poultry or eggs have been destroyed... poultry or eggs must certify on the forms that the poultry or eggs covered are, or are not, subject to any...

  18. 76 FR 38463 - SAFE Mortgage Licensing Act: Minimum Licensing Standards and Oversight Responsibilities

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-30

    ... Parts 30 and 3400 SAFE Mortgage Licensing Act: Minimum Licensing Standards and Oversight... No. FR-5271-F-03] RIN 2502-A170 SAFE Mortgage Licensing Act: Minimum Licensing Standards and... pursuant to the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (SAFE Act or Act), to ensure...

  19. 24 CFR 290.33 - Sale of delinquent mortgages securing subsidized projects.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.33 Sale of...

  20. 24 CFR 290.33 - Sale of delinquent mortgages securing subsidized projects.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.33 Sale of...

  1. 24 CFR 290.31 - Sale of current mortgages securing subsidized projects.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.31 Sale of current...

  2. 24 CFR 290.31 - Sale of current mortgages securing subsidized projects.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.31 Sale of current...

  3. 24 CFR 290.31 - Sale of current mortgages securing subsidized projects.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.31 Sale of current...

  4. 24 CFR 290.33 - Sale of delinquent mortgages securing subsidized projects.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.33 Sale of...

  5. 24 CFR 290.33 - Sale of delinquent mortgages securing subsidized projects.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.33 Sale of...

  6. 24 CFR 290.31 - Sale of current mortgages securing subsidized projects.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.31 Sale of current...

  7. 12 CFR 201.109 - Eligibility for discount of mortgage company notes.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... directly affect the production or distribution of goods and services. Mortgage banking, on the other hand... inventory of mortgage loans pending their “packaging” for sale to permanent investors that are usually...

  8. Trend analysis of dental practice rent and mortgage expenses: 1989-1995.

    PubMed

    Brown, L J; Lazar, V

    1999-03-01

    The authors analyzed trends for rent and mortgage, as reported by independent active private practitioners, for the period of 1989-1995. Rent and mortgage were analyzed overall and by different characteristics. In the ADA's annual "Survey of Dental Practice," dentists reported gross billings and net incomes, as well as itemized practice expenses. The authors tabulated survey responses over time to develop trends and compare rent and mortgage expenses for each year. If trends over time were not exhibited, the authors combined multiple years of data to develop more reliable statistics. Approximately three-fourths of independent active private practitioners reported rent but no mortgage expenses. The percentages of practitioners who reported rent or mortgage was stable over time. The percentage reporting rent only as an expense increased with the number of dentists in the practice, the age of the reporting dentist and the number of office locations. In contrast, the opposite was true for dentists reporting mortgage only as an expense. The authors found that office rental is more common than is office ownership and that mortgages as a percentage of gross billings and in dollar amounts were similar to rents. They also found that because the cost of office space as a percentage of gross billings decreased as the number of dentists in the practice increased, limited economies of scale may be present in the cost of dental office space. There is not a large financial advantage to ownership, so renting is likely to remain an important way to acquire office space. As only limited economies of scale exist in office space expenses, many group practices may choose to rent office space.

  9. 18 CFR 154.403 - Periodic rate adjustments.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Changes § 154.403 Periodic rate adjustments. (a) This section applies to the passthrough, on a periodic... its rates to reflect changes in transportation and compression costs paid to others: (i) The changes... pre-dating the effectiveness of the tariff language setting forth the periodic rate change mechanism...

  10. 76 FR 40741 - Federal Housing Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-11

    ... Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs, Health Care Facilities and... mortgage insurance premiums (MIPs) for FHA Multifamily Housing, Health Care Facilities, and Hospital... implement any premium changes for FY 2011 for the multifamily mortgage insurance programs, health care...

  11. 24 CFR 203.26 - Mortgagor's payments when mortgage is executed.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... rents, if any, the estimated taxes, special assessments, flood insurance premiums, if required, and fire and other hazard insurance premiums for the period beginning on the last date on which each such... installment payment under the mortgage, plus an amount sufficient to pay the mortgage insurance premium from...

  12. 24 CFR 203.26 - Mortgagor's payments when mortgage is executed.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... rents, if any, the estimated taxes, special assessments, flood insurance premiums, if required, and fire and other hazard insurance premiums for the period beginning on the last date on which each such... installment payment under the mortgage, plus an amount sufficient to pay the mortgage insurance premium from...

  13. 12 CFR 338.9 - Mortgage lending of a controlled entity.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Mortgage lending of a controlled entity. 338.9 Section 338.9 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR HOUSING Recordkeeping § 338.9 Mortgage lending of a controlled entity. Any bank which...

  14. 10 CFR 903.17 - Informal public meetings for minor rate adjustments.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 4 2011-01-01 2011-01-01 false Informal public meetings for minor rate adjustments. 903..., Southwestern, and Western Area Power Administrations § 903.17 Informal public meetings for minor rate adjustments. In lieu of public information or comment forums in conjunction with a minor rate adjustment...

  15. 10 CFR 903.17 - Informal public meetings for minor rate adjustments.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Informal public meetings for minor rate adjustments. 903..., Southwestern, and Western Area Power Administrations § 903.17 Informal public meetings for minor rate adjustments. In lieu of public information or comment forums in conjunction with a minor rate adjustment...

  16. 43 CFR 38.3 - Administration of adjusted rates of pay.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 43 Public Lands: Interior 1 2010-10-01 2010-10-01 false Administration of adjusted rates of pay. 38.3 Section 38.3 Public Lands: Interior Office of the Secretary of the Interior PAY OF U.S. PARK POLICE-INTERIM GEOGRAPHIC ADJUSTMENTS § 38.3 Administration of adjusted rates of pay. (a) An employee is...

  17. 24 CFR 203.29 - Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., Hawaii, or the Virgin Islands. 203.29 Section 203.29 Housing and Urban Development Regulations Relating... Requirements and Underwriting Procedures Eligible Mortgages § 203.29 Eligible mortgages in Alaska, Guam, Hawaii..., Guam, Hawaii or the Virgin Islands, the Commissioner may increase the maximum mortgage amount permitted...

  18. 26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ....6050H-3T Information reporting of mortgage insurance premiums (temporary). (a) Information reporting... premiums, for mortgage insurance (as described in paragraph (b) of this section) from any individual... paragraph (a) of this section applies to the receipt of all payments of mortgage insurance premiums, by cash...

  19. 76 FR 55300 - Companies Engaged in the Business of Acquiring Mortgages and Mortgage-Related Instruments

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-07

    ...)(C) A. Overview B. Management Style and Corporate Governance C. Similarities to Traditional... their investment advisers. B. Management Style and Corporate Governance Some mortgage-related pools are..., Division of Investment Management, Securities and Exchange Commission, 100 F Street, NE., Washington, DC...

  20. 76 FR 40451 - Agency Information Collection (Veterans Mortgage Life Insurance-Change of Address Statement...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-08

    ... Mortgage Life Insurance-- Change of Address Statement) Activity Under OMB Review AGENCY: Veterans Benefits... Mortgage Life Insurance--Change of Address Statement, VA Form 29-0563. OMB Control Number: 2900-0503. Type... Mortgage Life Insurance when an address change for the veteran is received. VA uses the data collected to...

  1. 24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    .... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

  2. 24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    .... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums-mortgages insured pursuant...

  3. 39 CFR 3010.26 - Calculation of unused rate adjustment authority.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Calculation of unused rate adjustment authority. 3010.26 Section 3010.26 Postal Service POSTAL REGULATORY COMMISSION PERSONNEL REGULATION OF RATES FOR MARKET DOMINANT PRODUCTS Rules for Applying the Price Cap § 3010.26 Calculation of unused rate adjustment...

  4. 78 FR 59890 - Qualified Mortgage Definition for HUD Insured and Guaranteed Single Family Mortgages

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-30

    ..., which was initially the Federal Reserve Board and is now the Consumer Financial Protection Bureau (CFPB... serious financial crisis since the Great Depression. In developing a proposed definition of qualified... terms of the mortgage must not result in a balloon payment; (iii) the income and financial resources of...

  5. 24 CFR 290.35 - Sale of HUD-held mortgages securing unsubsidized projects.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.35 Sale of HUD-held...

  6. 24 CFR 290.35 - Sale of HUD-held mortgages securing unsubsidized projects.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.35 Sale of HUD-held...

  7. 24 CFR 290.35 - Sale of HUD-held mortgages securing unsubsidized projects.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.35 Sale of HUD-held...

  8. 24 CFR 290.35 - Sale of HUD-held mortgages securing unsubsidized projects.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.35 Sale of HUD-held...

  9. 24 CFR 266.610 - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...

  10. 24 CFR 266.610 - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...

  11. 78 FR 60381 - Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-01

    ...This final rule amends some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January 2013. These amendments focus primarily on loss mitigation procedures under Regulation X's servicing provisions, amounts counted as loan originator compensation to retailers of manufactured homes and their employees for purposes of applying points and fees thresholds under the Home Ownership and Equity Protection Act and the Ability-to-Repay rules in Regulation Z, exemptions available to creditors that operate predominantly in ``rural or underserved'' areas for various purposes under the mortgage regulations, application of the loan originator compensation rules to bank tellers and similar staff, and the prohibition on creditor-financed credit insurance. The Bureau also is adjusting the effective dates for certain provisions of the loan originator compensation rules. In addition, the Bureau is adopting technical and wording changes for clarification purposes to Regulations B, X, and Z.

  12. 75 FR 68038 - Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB Review

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-04

    ... Mortgage Life Insurance Statement) Activity Under OMB Review AGENCY: Veterans Benefits Administration... . Please refer to ``OMB Control No. 2900- 0212.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life... currently approved collection. Abstract: Veterans complete VA Form 29-8636 to decline Veterans Mortgage Life...

  13. 77 FR 72920 - Federal Housing Administration (FHA) Section 232 Healthcare Mortgage Insurance Program: Partial...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-07

    ...This rule amends the regulations governing FHA's Section 232 Healthcare Mortgage Insurance program (Section 232 program) by establishing the criteria and process by which FHA will accept and pay a partial payment of a claim under the FHA mortgage insurance contract. The Section 232 program insures mortgage loans to facilitate the construction, substantial rehabilitation, purchase, and refinancing of nursing homes, intermediate care facilities, board and care homes, and assisted-living facilities. Through acceptance and payment of a partial payment of claim, FHA pays the lender a portion of the unpaid principal balance and recasts a portion of the mortgage under terms and conditions determined by FHA, as an alternative to the lender assigning the entire mortgage to HUD. Partial payment of claim also allows FHA- insured healthcare projects to continue operating and providing services.

  14. Evaluation of trauma care using TRISS method: the role of adjusted misclassification rate and adjusted w-statistic.

    PubMed

    Llullaku, Sadik S; Hyseni, Nexhmi Sh; Bytyçi, Cen I; Rexhepi, Sylejman K

    2009-01-15

    Major trauma is a leading cause of death worldwide. Evaluation of trauma care using Trauma Injury and Injury Severity Score (TRISS) method is focused in trauma outcome (deaths and survivors). For testing TRISS method TRISS misclassification rate is used. Calculating w-statistic, as a difference between observed and TRISS expected survivors, we compare our trauma care results with the TRISS standard. The aim of this study is to analyze interaction between misclassification rate and w-statistic and to adjust these parameters to be closer to the truth. Analysis of components of TRISS misclassification rate and w-statistic and actual trauma outcome. The component of false negative (FN) (by TRISS method unexpected deaths) has two parts: preventable (Pd) and non-preventable (nonPd) trauma deaths. Pd represents inappropriate trauma care of an institution; otherwise nonpreventable trauma deaths represents errors in TRISS method. Removing patients with preventable trauma deaths we get an Adjusted misclassification rate: (FP + FN - Pd)/N or (b+c-Pd)/N. Substracting nonPd from FN value in w-statistic formula we get an Adjusted w-statistic: [FP-(FN - nonPd)]/N, respectively (FP-Pd)/N, or (b-Pd)/N). Because adjusted formulas clean method from inappropriate trauma care, and clean trauma care from the methods error, TRISS adjusted misclassification rate and adjusted w-statistic gives more realistic results and may be used in researches of trauma outcome.

  15. 78 FR 58611 - Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB Review

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-24

    ... Mortgage Life Insurance Statement) Activity Under OMB Review AGENCY: Veterans Benefits Administration... INFORMATION: Title: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control Number: 2900-0212...-8636 to decline Veterans Mortgage Life Insurance (VMLI) or to provide information upon which the...

  16. Variability in case-mix adjusted in-hospital cardiac arrest rates.

    PubMed

    Merchant, Raina M; Yang, Lin; Becker, Lance B; Berg, Robert A; Nadkarni, Vinay; Nichol, Graham; Carr, Brendan G; Mitra, Nandita; Bradley, Steven M; Abella, Benjamin S; Groeneveld, Peter W

    2012-02-01

    It is unknown how in-hospital cardiac arrest (IHCA) rates vary across hospitals and predictors of variability. Measure variability in IHCA across hospitals and determine if hospital-level factors predict differences in case-mix adjusted event rates. Get with the Guidelines Resuscitation (GWTG-R) (n=433 hospitals) was used to identify IHCA events between 2003 and 2007. The American Hospital Association survey, Medicare, and US Census were used to obtain detailed information about GWTG-R hospitals. Adult patients with IHCA. Case-mix-adjusted predicted IHCA rates were calculated for each hospital and variability across hospitals was compared. A regression model was used to predict case-mix adjusted event rates using hospital measures of volume, nurse-to-bed ratio, percent intensive care unit beds, palliative care services, urban designation, volume of black patients, income, trauma designation, academic designation, cardiac surgery capability, and a patient risk score. We evaluated 103,117 adult IHCAs at 433 US hospitals. The case-mix adjusted IHCA event rate was highly variable across hospitals, median 1/1000 bed days (interquartile range: 0.7 to 1.3 events/1000 bed days). In a multivariable regression model, case-mix adjusted IHCA event rates were highest in urban hospitals [rate ratio (RR), 1.1; 95% confidence interval (CI), 1.0-1.3; P=0.03] and hospitals with higher proportions of black patients (RR, 1.2; 95% CI, 1.0-1.3; P=0.01) and lower in larger hospitals (RR, 0.54; 95% CI, 0.45-0.66; P<0.0001). Case-mix adjusted IHCA event rates varied considerably across hospitals. Several hospital factors associated with higher IHCA event rates were consistent with factors often linked with lower hospital quality of care.

  17. 25 CFR 175.12 - Procedures for adjusting electric power rates except for adjustments due to changes in the cost...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... adjustments due to changes in the cost of purchased power or energy. 175.12 Section 175.12 Indians BUREAU OF... adjustments due to changes in the cost of purchased power or energy. Except for adjustments to rates due to changes in the cost of purchased power or energy, the Area Director shall adjust electric power rates...

  18. 12 CFR 615.5173 - Stock of the Federal Agricultural Mortgage Corporation.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Corporation. 615.5173 Section 615.5173 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING... Capital, and Other Investments § 615.5173 Stock of the Federal Agricultural Mortgage Corporation. Banks... the Federal Agricultural Mortgage Corporation pursuant to section 8.4 of the Farm Credit Act. [58 FR...

  19. 12 CFR 226.32 - Requirements for certain closed-end home mortgages.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Requirements for certain closed-end home... THE FEDERAL RESERVE SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 226.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except...

  20. 24 CFR 236.252 - First, second, and third mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...

  1. 24 CFR 252.6 - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance premiums. 252.6 Section 252.6 Housing and Urban Development Regulations Relating to Housing and..., AND BOARD AND CARE HOMES § 252.6 Method of payment of mortgage insurance premiums. The provisions of..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  2. 24 CFR 251.6 - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  3. 24 CFR 236.252 - First, second, and third mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...

  4. 24 CFR 252.6 - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... insurance premiums. 252.6 Section 252.6 Housing and Urban Development Regulations Relating to Housing and..., AND BOARD AND CARE HOMES § 252.6 Method of payment of mortgage insurance premiums. The provisions of..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  5. 24 CFR 251.6 - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  6. Case mix adjusted variation in cesarean section rate in Sweden.

    PubMed

    Mesterton, Johan; Ladfors, Lars; Ekenberg Abreu, Anna; Lindgren, Peter; Saltvedt, Sissel; Weichselbraun, Marianne; Amer-Wåhlin, Isis

    2017-05-01

    Cesarean section (CS) rate is a well-established indicator of performance in maternity care and is also related to resource use. Case mix adjustment of CS rates when performing comparisons between hospitals is important. The objective of this study was to estimate case mix adjusted variation in CS rate between hospitals in Sweden. In total, 139 756 deliveries in 2011 and 2012 were identified in administrative systems in seven regions covering 67% of all deliveries in Sweden. Data were linked to the Medical birth register and population data. Twenty-three different sociodemographic and clinical characteristics were used for adjustment. Analyses were performed for the entire study population as well as for two subgroups. Logistic regression was used to analyze differences between hospitals. The overall CS rate was 16.9% (hospital minimum-maximum 12.1-22.6%). Significant variations in CS rate between hospitals were observed after case mix adjustment: hospital odds ratios for CS varied from 0.62 (95% CI 0.53-0.73) to 1.45 (95% CI 1.37-1.52). In nulliparous, cephalic, full-term, singletons the overall CS rate was 14.3% (hospital minimum-maximum: 9.0-19.0%), whereas it was 4.7% for multiparous, cephalic, full-term, singletons with no previous CS (hospital minimum-maximum: 3.2-6.7%). In both subgroups significant variations were observed in case mix adjusted CS rates. Significant differences in CS rate between Swedish hospitals were found after adjusting for differences in case mix. This indicates a potential for fewer interventions and lower resource use in Swedish childbirth care. Best practice sharing and continuous monitoring are important tools for improving childbirth care. © 2017 Nordic Federation of Societies of Obstetrics and Gynecology.

  7. 26 CFR 1.166-6 - Sale of mortgaged or pledged property.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...-6 Sale of mortgaged or pledged property. (a) Deficiency deductible as bad debt—(1) Principal amount... been returned by him) as a bad debt for the taxable year in which it becomes wholly worthless or is... mortgaged or pledged property by certain mutual savings banks, domestic building and loan associations, and...

  8. 12 CFR 1026.32 - Requirements for certain closed-end home mortgages.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Requirements for certain closed-end home... LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 1026.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except as provided in paragraph (a)(2) of this...

  9. 12 CFR 226.32 - Requirements for certain closed-end home mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Requirements for certain closed-end home... THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 226.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except as provided...

  10. 12 CFR 226.32 - Requirements for certain closed-end home mortgages.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Requirements for certain closed-end home... THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 226.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except as provided...

  11. 12 CFR 1026.32 - Requirements for certain closed-end home mortgages.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Requirements for certain closed-end home... LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 1026.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except as provided in paragraph (a)(2) of this...

  12. 24 CFR 255.6 - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... insurance premiums. 255.6 Section 255.6 Housing and Urban Development Regulations Relating to Housing and... PROJECTS § 255.6 Method of payment of mortgage insurance premiums. The provisions of 24 CFR 251.6 shall..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  13. 24 CFR 203.43f - Eligibility of mortgages covering manufactured homes.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... manufactured homes. 203.43f Section 203.43f Housing and Urban Development Regulations Relating to Housing and... Procedures Eligible Properties § 203.43f Eligibility of mortgages covering manufactured homes. A mortgage covering a one-family manufactured home (as defined in 24 CFR 3280.2(a)(16)) that meets the requirements of...

  14. 12 CFR 1263.9 - Makes long-term home mortgage loans requirement.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 9 2013-01-01 2013-01-01 false Makes long-term home mortgage loans requirement. 1263.9 Section 1263.9 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS MEMBERS OF THE BANKS Eligibility Requirements § 1263.9 Makes long-term home mortgage loans requirement. An...

  15. 12 CFR 1263.9 - Makes long-term home mortgage loans requirement.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Makes long-term home mortgage loans requirement. 1263.9 Section 1263.9 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS MEMBERS OF THE BANKS Eligibility Requirements § 1263.9 Makes long-term home mortgage loans requirement. An...

  16. 24 CFR 203.43f - Eligibility of mortgages covering manufactured homes.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... manufactured homes. 203.43f Section 203.43f Housing and Urban Development Regulations Relating to Housing and... Procedures Eligible Properties § 203.43f Eligibility of mortgages covering manufactured homes. A mortgage covering a one-family manufactured home (as defined in 24 CFR 3280.2(a)(16)) that meets the requirements of...

  17. 24 CFR 203.43f - Eligibility of mortgages covering manufactured homes.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... manufactured homes. 203.43f Section 203.43f Housing and Urban Development Regulations Relating to Housing and... Procedures Eligible Properties § 203.43f Eligibility of mortgages covering manufactured homes. A mortgage covering a one-family manufactured home (as defined in 24 CFR 3280.2(a)(16)) that meets the requirements of...

  18. 24 CFR 255.6 - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... PROJECTS § 255.6 Method of payment of mortgage insurance premiums. The provisions of 24 CFR 251.6 shall... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Method of payment of mortgage insurance premiums. 255.6 Section 255.6 Housing and Urban Development Regulations Relating to Housing and...

  19. 77 FR 21794 - Notice of Submission of Proposed Information Collection to OMB Single Family Mortgage Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-11

    ... Proposed Information Collection to OMB Single Family Mortgage Insurance on Hawaiian Homelands AGENCY... subject proposal. FHA insures mortgages on single-family dwellings under provisions of the National...: Single Family Mortgage Insurance on Hawaiian Homelands. OMB Approval Number: 2502-0358. Form Numbers...

  20. 76 FR 5818 - Notice of Submission of Proposed Information Collection to OMB Home Equity Conversion Mortgage...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-02

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5480-N-09] Notice of Submission of Proposed Information Collection to OMB Home Equity Conversion Mortgage (HECM) Insurance Application for...: Title of Proposal: Home Equity Conversion Mortgage (HECM) Insurance Application for Reverse Mortgages...

  1. 26 CFR 301.7701(i)-0 - Outline of taxable mortgage pool provisions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... certain credit enhancement contracts. (i) In general. (ii) Credit enhancement contract defined. (5...) Payments with respect to a mortgage defined. (C) Entity treated as not anticipating payments. (d) Real estate mortgages or interests therein defined. (1) In general. (2) Interests in real property and real...

  2. 26 CFR 301.7701(i)-0 - Outline of taxable mortgage pool provisions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... certain credit enhancement contracts. (i) In general. (ii) Credit enhancement contract defined. (5...) Payments with respect to a mortgage defined. (C) Entity treated as not anticipating payments. (d) Real estate mortgages or interests therein defined. (1) In general. (2) Interests in real property and real...

  3. 76 FR 53937 - Order of Succession for Government National Mortgage Association (GNMA)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-30

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5538-D-02] Order of Succession for... Mortgage Association, HUD. ACTION: Notice of Order of Succession. SUMMARY: In this notice, the President of the Government National Mortgage Association (GNMA) designates the Order of Succession for GNMA. This...

  4. 24 CFR 257.403 - Prohibitions on interested parties in insured mortgage transaction.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Prohibitions on interested parties... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM Enforcement Mortgagor False Information § 257.403 Prohibitions on interested parties in insured mortgage transaction. (a) A mortgage...

  5. 77 FR 21580 - Changes in Certain Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-10

    ... Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for Fiscal Year (FY) 2013 AGENCY... (MIPs) for certain Federal Housing Administration (FHA) Multifamily Housing, Health Care Facilities, and...; with a 15 basis point increase for all other market-rate multifamily housing, health care facility, and...

  6. 5 CFR 9701.322 - Setting and adjusting rate ranges.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... MANAGEMENT SYSTEM (DEPARTMENT OF HOMELAND SECURITY-OFFICE OF PERSONNEL MANAGEMENT) DEPARTMENT OF HOMELAND SECURITY HUMAN RESOURCES MANAGEMENT SYSTEM Pay and Pay Administration Setting and Adjusting Rate Ranges... operational reasons, these adjustments will become effective on or about the date of the annual General...

  7. 78 FR 35429 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-12

    ... other evidence of repayment ability.\\3\\ \\2\\ Inside Mortg. Fin., The 2011 Mortgage Market Statistical..., refinancing became more difficult and delinquency rates on subprime and Alt-A products increased dramatically... peaked at 2.5 percent in late 2007.\\5\\ As the economy worsened, the rates of serious delinquency (90 or...

  8. 24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...

  9. 24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...

  10. 24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...

  11. 24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...

  12. 24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...

  13. 24 CFR 207.252e - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  14. 24 CFR 207.252e - Method of payment of mortgage insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  15. 26 CFR 6a.103A-1 - Interest on mortgage subsidy bonds.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... interest on a mortgage subsidy bond is includable in gross income and subject to Federal income taxation... the regulations thereunder. (4) Advance refunding. On or after December 5, 1980, no tax-exempt obligation may be issued for the advance refunding of a mortgage subsidy bond (determined without regard to...

  16. 25 CFR 152.34 - Approval of mortgages and deeds of trust.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Approval of mortgages and deeds of trust. 152.34 Section 152.34 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER ISSUANCE OF PATENTS IN FEE, CERTIFICATES OF COMPETENCY, REMOVAL OF RESTRICTIONS, AND SALE OF CERTAIN INDIAN LANDS Mortgages and Deeds of Trust to Secure Loans to...

  17. 26 CFR 1.25-4T - Qualified mortgage credit certificate program (Temporary).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... designed to ensure that only those individuals who could not otherwise purchase a residence will benefit... report is filed. The report need not be amended to reflect information learned subsequent to the date of... similar private mortgage insurance on an individual's mortgage are permissible so long as such amounts do...

  18. 78 FR 79286 - Truth in Lending (Regulation Z): Adjustment to Asset-Size Exemption Threshold

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-30

    ...The Bureau is amending the official commentary that interprets the requirements of the Bureau's Regulation Z (Truth in Lending) to reflect a change in the asset size threshold for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the 12-month period ending in November. The exemption threshold is adjusted to increase to $2.028 billion from $2 billion. The adjustment is based on the 1.4 percent increase in the average of the CPI-W for the 12-month period ending in November 2013. Therefore, creditors with assets of $2.028 billion or less as of December 31, 2013, are exempt, if other requirements of Regulation Z also are met, from establishing escrow accounts for higher-priced mortgage loans in 2014.

  19. 17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... period 5 Liens on: Farms (total) Residential (total) Apartments and business (total) Unimproved (total) Total 12 1 All money columns shall be totaled. 2 If mortgages represent other than first liens, list... the total of column G with the amount shown in the profit and loss or income statement, interest...

  20. 17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... period 5 Liens on: Farms (total) Residential (total) Apartments and business (total) Unimproved (total) Total 12 1 All money columns shall be totaled. 2 If mortgages represent other than first liens, list... the total of column G with the amount shown in the profit and loss or income statement, interest...

  1. 12 CFR Appendix B to Part 1720 - Policy Guidance; Non-Mortgage Liquidity Investments

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... investment capital for residential mortgage finance. These functions require the Enterprises, as principals... finance system. 2. For the Enterprises effectively to perform their public purposes, they must be... authorities, e. Corporate debt instruments, f. Money market instruments, g. Non-mortgage asset-backed...

  2. 24 CFR 401.552 - Servicing of second mortgage.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... Development (Continued) OFFICE OF HOUSING AND OFFICE OF MULTIFAMILY HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE RESTRUCTURING...

  3. 24 CFR 401.552 - Servicing of second mortgage.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Development (Continued) OFFICE OF HOUSING AND OFFICE OF MULTIFAMILY HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE RESTRUCTURING...

  4. 24 CFR 401.552 - Servicing of second mortgage.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... Development (Continued) OFFICE OF HOUSING AND OFFICE OF MULTIFAMILY HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE RESTRUCTURING...

  5. 24 CFR 401.552 - Servicing of second mortgage.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Development (Continued) OFFICE OF HOUSING AND OFFICE OF MULTIFAMILY HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE RESTRUCTURING...

  6. 24 CFR 4001.104 - Eligible mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Eligible mortgages. 4001.104 Section 4001.104 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) BOARD OF DIRECTORS OF THE HOPE FOR HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Eligibility...

  7. 10 CFR 903.11 - Advance announcement of rate adjustment.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 903.11 Energy DEPARTMENT OF ENERGY POWER AND TRANSMISSION RATES Procedures for Public Participation in Power and Transmission Rate Adjustments and Extensions for the Alaska, Southeastern, Southwestern, and... advertisement, and/or by Federal Register publication. Written comments relevant to rate policy and design and...

  8. 10 CFR 903.11 - Advance announcement of rate adjustment.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 903.11 Energy DEPARTMENT OF ENERGY POWER AND TRANSMISSION RATES Procedures for Public Participation in Power and Transmission Rate Adjustments and Extensions for the Alaska, Southeastern, Southwestern, and... advertisement, and/or by Federal Register publication. Written comments relevant to rate policy and design and...

  9. 10 CFR 903.11 - Advance announcement of rate adjustment.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 903.11 Energy DEPARTMENT OF ENERGY POWER AND TRANSMISSION RATES Procedures for Public Participation in Power and Transmission Rate Adjustments and Extensions for the Alaska, Southeastern, Southwestern, and... advertisement, and/or by Federal Register publication. Written comments relevant to rate policy and design and...

  10. 10 CFR 903.11 - Advance announcement of rate adjustment.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 903.11 Energy DEPARTMENT OF ENERGY POWER AND TRANSMISSION RATES Procedures for Public Participation in Power and Transmission Rate Adjustments and Extensions for the Alaska, Southeastern, Southwestern, and... advertisement, and/or by Federal Register publication. Written comments relevant to rate policy and design and...

  11. A gigawatt level repetitive rate adjustable magnetic pulse compressor.

    PubMed

    Li, Song; Gao, Jing-Ming; Yang, Han-Wu; Qian, Bao-Liang; Li, Ze-Xin

    2015-08-01

    In this paper, a gigawatt level repetitive rate adjustable magnetic pulse compressor is investigated both numerically and experimentally. The device has advantages of high power level, high repetitive rate achievability, and long lifetime reliability. Importantly, dominate parameters including the saturation time, the peak voltage, and even the compression ratio can be potentially adjusted continuously and reliably, which significantly expands the applicable area of the device and generators based on it. Specifically, a two-stage adjustable magnetic pulse compressor, utilized for charging the pulse forming network of a high power pulse generator, is designed with different compression ratios of 25 and 18 through an optimized design process. Equivalent circuit analysis shows that the modification of compression ratio can be achieved by just changing the turn number of the winding. At the same time, increasing inductance of the grounded inductor will decrease the peak voltage and delay the charging process. Based on these analyses, an adjustable compressor was built and studied experimentally in both the single shot mode and repetitive rate mode. Pulses with peak voltage of 60 kV and energy per pulse of 360 J were obtained in the experiment. The rise times of the pulses were compressed from 25 μs to 1 μs and from 18 μs to 1 μs, respectively, at repetitive rate of 20 Hz with good repeatability. Experimental results show reasonable agreement with analyses.

  12. Adjusted hospital death rates: a potential screen for quality of medical care.

    PubMed

    Dubois, R W; Brook, R H; Rogers, W H

    1987-09-01

    Increased economic pressure on hospitals has accelerated the need to develop a screening tool for identifying hospitals that potentially provide poor quality care. Based upon data from 93 hospitals and 205,000 admissions, we used a multiple regression model to adjust the hospitals crude death rate. The adjustment process used age, origin of patient from the emergency department or nursing home, and a hospital case mix index based on DRGs (diagnostic related groups). Before adjustment, hospital death rates ranged from 0.3 to 5.8 per 100 admissions. After adjustment, hospital death ratios ranged from 0.36 to 1.36 per 100 (actual death rate divided by predicted death rate). Eleven hospitals (12 per cent) were identified where the actual death rate exceeded the predicted death rate by more than two standard deviations. In nine hospitals (10 per cent), the predicted death rate exceeded the actual death rate by a similar statistical margin. The 11 hospitals with higher than predicted death rates may provide inadequate quality of care or have uniquely ill patient populations. The adjusted death rate model needs to be validated and generalized before it can be used routinely to screen hospitals. However, the remaining large differences in observed versus predicted death rates lead us to believe that important differences in hospital performance may exist.

  13. 12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...

  14. 12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...

  15. 12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...

  16. 24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    .... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

  17. 24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    .... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums-mortgages insured pursuant...

  18. 5 CFR 530.307 - OPM review and adjustment of special rate schedules.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    .... 5305(d), special rate schedule adjustments made by OPM have the force and effect of statute. (d)(1) For... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false OPM review and adjustment of special rate... REGULATIONS PAY RATES AND SYSTEMS (GENERAL) Special Rate Schedules for Recruitment and Retention General...

  19. Varieties of indebtedness: Financialization and mortgage market institutions in Europe.

    PubMed

    Van Gunten, Tod; Navot, Edo

    2018-02-01

    During the global housing boom that preceded the 2007-9 financial crisis, household debt increased substantially in many European countries, posing a challenge for literature on financialization and the institutional heterogeneity of mortgage markets. This paper examines recent institutional shifts in European mortgage markets and specifies three analytically distinct models of debt accumulation: inclusion, extension and intensity. While existing research has emphasized inclusion (access to homeownership), we show that financial intensification is an important determinant of cross-national variation in debt. We assess the variation in financial intensity in six European countries (France, Germany, Italy, the Netherlands, Portugal and Spain) using household-level survey data. Our results show that inclusion and expansion explain only part of the cross-national variation in mortgage debt to income ratios. Furthermore, household financial behavior is consistent with the financial intensity model, and variation in the degree of financial intensification explains a substantial portion of the cross-national difference in debt levels. Copyright © 2017 Elsevier Inc. All rights reserved.

  20. 24 CFR 203.285 - Fifteen-year mortgages: Calculation of up-front and annual MIP on or after December 26, 1992.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Calculation of Mortgage Insurance Premium on Or After July 1, 1991..., that is an obligation of the Mutual Mortgage Insurance Fund, and any mortgage executed on or after...

  1. 24 CFR 203.285 - Fifteen-year mortgages: Calculation of up-front and annual MIP on or after December 26, 1992.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Calculation of Mortgage Insurance Premium on Or After July 1, 1991..., that is an obligation of the Mutual Mortgage Insurance Fund, and any mortgage executed on or after...

  2. Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?

    ERIC Educational Resources Information Center

    Quercia, Roberto; Spader, Jonathan

    2008-01-01

    The lack of industry wide data on homeownership education and counseling (HEC) programs has severely limited evaluation. In particular, very little evidence exists on the relationship between HEC completion and loan prepayment, an outcome of interest to both mortgage lenders and consumer advocates. Where mortgage prepayment directly influences the…

  3. Risk Adjustment for a Children's Capitation Rate

    PubMed Central

    Newhouse, Joseph P.; Sloss, Elizabeth M.; Manning, Willard G.; Keeler, Emmett B.

    1993-01-01

    Few capitation arrangements vary premiums by a child's health characteristics, yielding an incentive to discriminate against children with predictably high expenditures from chronic diseases. In this article, we explore risk adjusters for the 35 percent of the variance in annual outpatient expenditure we find to be potentially predictable. Demographic factors such as age and gender only explain 5 percent of such variance; health status measures explain 25 percent, prior use and health status measures together explain 65 to 70 percent. The profit from risk selection falls less than proportionately with improved ability to adjust for risk. Partial capitation rates may be necessary to mitigate skimming and dumping. PMID:10133708

  4. Risk adjustment for a children's capitation rate.

    PubMed

    Newhouse, J P; Sloss, E M; Manning, W G; Keeler, E B

    1993-01-01

    Few capitation arrangements vary premiums by a child's health characteristics, yielding an incentive to discriminate against children with predictably high expenditures from chronic diseases. In this article, we explore risk adjusters for the 35 percent of the variance in annual out-patient expenditure we find to be potentially predictable. Demographic factors such as age and gender only explain 5 percent of such variance; health status measures explain 25 percent, prior use and health status measures together explain 65 to 70 percent. The profit from risk selection falls less than proportionately with improved ability to adjust for risk. Partial capitation rates may be necessary to mitigate skimming and dumping.

  5. 39 CFR 3010.26 - Calculation of unused rate adjustment authority.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... authority for each class is equal to the difference between the maximum allowable percentage change in rates under the applicable rate limitation and the actual percentage change in rates for that class. (c) When... rate adjustment leading to its computation. ...

  6. Mortgages, seniors and the common law contractual doctrine of mental incapacity in Australia.

    PubMed

    Burns, Fiona

    2011-01-01

    Seniors in Australia are being called upon to mortgage their most precious economic asset, the family home. They may be asked to guarantee the liabilities of other family members by providing a mortgage-based guarantee or they may decide to enter into a reverse mortgage to supplement financially their savings and pensions. As the family home is the single most valuable asset for most older Australians, the creation of any obligations in regard to it ought to be undertaken with care and vigilance. While seniors are free to create mortgage, they may lack the capacity to understand the legal ramifications of these complex transactions or be unable to protect their interests when entering into them. It is not suggested that older Australians necessarily suffer a lack of contractual capacity. Many seniors are more than able to take care of their interests and assets. However, some seniors do suffer cognitive impairment which adversely affects their capacity to act in their best interests and to navigate the complexities of contractual relations. In contract and mortgage law, this raises the issue of mental incapacity. For centuries, the common law has recognized not only that mentally incapacitated people exist, but that they may enter into contracts such as mortgage and may later wish to have the mortgage set aside. The present formulation of the contractual doctrine of mental incapacity is the product of 19th century jurisprudence in which the courts framed the doctrine to accommodate commercial dealing rather than the interests of persons who lacked the necessary mental capacity. Accordingly, the doctrine has been very difficult to rely on successfully when challenging mortgages made by persons lacking capacity. Therefore, Australian litigators and courts alike have sought to deal with mental incapacity issues in the contractual context by using and modifying other doctrines (such as non est factum, undue influence and unconscionable dealing) in which the issue of

  7. 77 FR 37917 - Notice of Proposed Information Collection: Comment Request; Multifamily Housing Mortgage and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-25

    ... Information Collection: Comment Request; Multifamily Housing Mortgage and Housing Assistance Restructuring.... This Notice also lists the following information: Title of Proposal: Multifamily Housing Mortgage and... the Multifamily Assisted Housing Reform and Affordability Act of 1997 as extended by the Market to...

  8. 78 FR 64143 - 30-Day Notice of Proposed Information Collection: Contractor's Requisition-Project Mortgages

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-25

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5683-N-88] 30-Day Notice of Proposed Information Collection: Contractor's Requisition--Project Mortgages AGENCY: Office of the Chief Information... Title of Information Collection: Contractor's Requisition--Project Mortgages. OMB Approval Number: 2502...

  9. 24 CFR 207.259a - Waiver of title objection; mortgages formerly Commissioner-held.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MULTIFAMILY HOUSING MORTGAGE INSURANCE Contract Rights and Obligations Rights and Duties of Mortgagee Under the Contract of Insurance § 207.259a Waiver of... any lien or other adverse interest that was senior to the mortgage on the date of the original sale of...

  10. 24 CFR 235.1220 - Processing section 235(r) mortgages under the direct endorsement program.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... under the direct endorsement program. 235.1220 Section 235.1220 Housing and Urban Development... National Housing Act Eligibility Requirements; Direct Endorsement § 235.1220 Processing section 235(r) mortgages under the direct endorsement program. The regulations containing the requirements which a mortgage...

  11. 24 CFR 203.255 - Insurance of mortgage.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (for proposed construction only), or a Department of Veterans Affairs certificate of reasonable value... by the Secretary, for proposed construction cases; (5) An underwriter certification, on a form... credit application (including the analysis performed on the worksheets) and that the proposed mortgage...

  12. 24 CFR 203.255 - Insurance of mortgage.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (for proposed construction only), or a Department of Veterans Affairs certificate of reasonable value... by the Secretary, for proposed construction cases; (5) An underwriter certification, on a form... credit application (including the analysis performed on the worksheets) and that the proposed mortgage...

  13. 24 CFR 203.255 - Insurance of mortgage.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (for proposed construction only), or a Department of Veterans Affairs certificate of reasonable value... by the Secretary, for proposed construction cases; (5) An underwriter certification, on a form... credit application (including the analysis performed on the worksheets) and that the proposed mortgage...

  14. 46 CFR 356.27 - Mortgage Trustee requirements.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false Mortgage Trustee requirements. 356.27 Section 356.27 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION MISCELLANEOUS REQUIREMENTS FOR VESSELS OF 100 FEET OR GREATER IN REGISTERED LENGTH TO OBTAIN A FISHERY ENDORSEMENT TO THE VESSEL'S DOCUMENTATION...

  15. 78 FR 41339 - Federal Housing Administration (FHA) Multifamily Mortgage Insurance; Capturing Excess Claim Proceeds

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-10

    ...-AJ16 Federal Housing Administration (FHA) Multifamily Mortgage Insurance; Capturing Excess Claim... reimbursement to FHA of excess claim proceeds. When a mortgagee finances mortgages through the issuance and sale of bonds or through bond anticipation notes, the mortgagee uses the FHA insurance claim funds to pay...

  16. 10 CFR 436.22 - Adjusted internal rate of return.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... adjusted internal rate of return is the overall rate of return on an energy or water conservation measure... attributable to the proposed energy or water conservation measure. The denominator of the ratio is the present... proposed energy or water conservation measure. [61 FR 32651, June 25, 1996] ...

  17. 10 CFR 436.22 - Adjusted internal rate of return.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... adjusted internal rate of return is the overall rate of return on an energy or water conservation measure... attributable to the proposed energy or water conservation measure. The denominator of the ratio is the present... proposed energy or water conservation measure. [61 FR 32651, June 25, 1996] ...

  18. 10 CFR 436.22 - Adjusted internal rate of return.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... adjusted internal rate of return is the overall rate of return on an energy or water conservation measure... attributable to the proposed energy or water conservation measure. The denominator of the ratio is the present... proposed energy or water conservation measure. [61 FR 32651, June 25, 1996] ...

  19. 10 CFR 436.22 - Adjusted internal rate of return.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... adjusted internal rate of return is the overall rate of return on an energy or water conservation measure... attributable to the proposed energy or water conservation measure. The denominator of the ratio is the present... proposed energy or water conservation measure. [61 FR 32651, June 25, 1996] ...

  20. 10 CFR 903.11 - Advance announcement of rate adjustment.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Advance announcement of rate adjustment. 903.11 Section 903.11 Energy DEPARTMENT OF ENERGY POWER AND TRANSMISSION RATES Procedures for Public Participation in... announcement may be through direct contact with customers, at public meetings, by press release, by newspaper...

  1. 24 CFR 203.43e - Eligibility of mortgages covering houses in federally impacted areas.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Eligibility of mortgages covering houses in federally impacted areas. 203.43e Section 203.43e Housing and Urban Development Regulations... Requirements and Underwriting Procedures Eligible Properties § 203.43e Eligibility of mortgages covering houses...

  2. 24 CFR 203.43e - Eligibility of mortgages covering houses in federally impacted areas.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Eligibility of mortgages covering houses in federally impacted areas. 203.43e Section 203.43e Housing and Urban Development Regulations... Requirements and Underwriting Procedures Eligible Properties § 203.43e Eligibility of mortgages covering houses...

  3. "When you're in a crisis like that, you don't want people to know": mortgage strain, stigma, and mental health.

    PubMed

    Keene, Danya E; Cowan, Sarah K; Baker, Amy Castro

    2015-05-01

    We analyzed experiences of stigmatization, concealment, and isolation among African American homeowners who were experiencing mortgage strain. We conducted semistructured interviews between March 2012 and May 2013 with 28 African American homeowners in a northeastern US city who were experiencing mortgage strain. We coded all of the transcripts and reviewed data for codes relating to stigma, sharing information, social support, social isolation, and the meaning of homeownership. Our data showed that mortgage strain can be a concealable stigma. Participants internalized this stigma, expressing shame about their mortgage situation. Additionally, some participants anticipated that others would view them as less worthy given their mortgage trouble. In an effort to avoid stigmatization, many concealed their mortgage trouble, which often led to isolation. This stigmatization, concealment, and isolation seemed to contribute to participants' depression, anxiety, and emotional distress. Stigma may exacerbate stress associated with mortgage strain and contribute to poor mental health, particularly among upwardly mobile African Americans who have overcome significant structural barriers to home ownership. Reducing stigma associated with mortgage strain may help to reduce the health consequences of this stressful life event.

  4. 12 CFR 563.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... ASSOCIATIONS-OPERATIONS Registration of Residential Mortgage Loan Originators § 563.103 Registration of...) Principal business location address and business contact information; (D) Social security number; (E) Gender...

  5. 12 CFR 563.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... ASSOCIATIONS-OPERATIONS Registration of Residential Mortgage Loan Originators § 563.103 Registration of...) Principal business location address and business contact information; (D) Social security number; (E) Gender...

  6. 12 CFR 563.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... ASSOCIATIONS-OPERATIONS Registration of Residential Mortgage Loan Originators § 563.103 Registration of...) Principal business location address and business contact information; (D) Social security number; (E) Gender...

  7. 78 FR 59366 - Multifamily, Healthcare Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-26

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5737-N-01] Multifamily, Healthcare... Administration (FHA) Multifamily, Healthcare Facilities, and Hospital mortgage insurance programs that have..., Healthcare Facilities, and Hospital mortgage insurance programs. This Notice does not apply to loans insured...

  8. 77 FR 65396 - Notice of Submission of Proposed Information Collection to OMB: Home Mortgage Disclosure Act...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-26

    ... mortgage lending institutions are required to use the information generated as a running log throughout the... mortgage lending institutions are required to use the information generated as a running log throughout the...

  9. 76 FR 80191 - Adjustments of Certain Rates of Pay

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-23

    ... Order 13594 of December 19, 2011 Adjustments of Certain Rates of Pay By the authority vested in me as... Appropriations and Surface Transportation Extensions Act, 2011 (Public Law 111-322), which freezes certain pay... full applicable locality pay rates in non-foreign areas pursuant to the Non-Foreign Area Retirement...

  10. 75 FR 81817 - Adjustments of Certain Rates of Pay

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-29

    ... Order 13561 of December 22, 2010 Adjustments of Certain Rates of Pay By the authority vested in me as..., it is hereby ordered as follows: Section 1. Statutory Pay Systems. Pursuant to the Continuing... ``Continuing Appropriations Act''), the rates of basic pay or salaries of the statutory pay systems (as defined...

  11. Policy Incentives and the Extension of Mortgage Credit: Increasing Market Discipline for Subprime Lending

    ERIC Educational Resources Information Center

    An, Xudong; Bostic, Raphael W.

    2009-01-01

    The lax underwriting in non-prime mortgage markets is widely perceived as one cause of the recent difficulties in the housing market. Policymakers are currently considering moves such as enforcing more careful underwriting to provide additional discipline to mortgage markets. This research explores the possibility of another approach to supplement…

  12. 5 CFR 9901.312 - Maximum rates of base salary and adjusted salary.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Maximum rates of base salary and adjusted salary. 9901.312 Section 9901.312 Administrative Personnel DEPARTMENT OF DEFENSE HUMAN RESOURCES....312 Maximum rates of base salary and adjusted salary. (a) Subject to § 9901.105, the Secretary may...

  13. 39 CFR 3010.27 - Application of unused rate adjustment authority.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... MARKET DOMINANT PRODUCTS Rules for Applying the Price Cap § 3010.27 Application of unused rate adjustment..., then the difference between the percentage change in rates for the class and the price cap shall be...

  14. 12 CFR 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average... and premiums for mortgage-related insurance required by the creditor, such as insurance against loss...

  15. 77 FR 53209 - Notice of Proposed Information Collection: Comment Request; Home Equity Conversion Mortgage (HECM...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-31

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5607-N-28] Notice of Proposed Information Collection: Comment Request; Home Equity Conversion Mortgage (HECM) Insurance Application for the.... This Notice also lists the following information: Title of Proposal: Home Equity Conversion Mortgage...

  16. 75 FR 62410 - Notice of Proposed Information Collection: Comment Request; Home Equity Conversion Mortgage (HECM...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-08

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5380-N-39] Notice of Proposed Information Collection: Comment Request; Home Equity Conversion Mortgage (HECM) Insurance Application for the.... This Notice also lists the following information: Title of Proposal: Home equity Conversion Mortgage...

  17. 78 FR 36562 - 30-Day Notice of Proposed Information Collection: Home Equity Conversion Mortgage (HECM...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-18

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5683-N-44] 30-Day Notice of Proposed Information Collection: Home Equity Conversion Mortgage (HECM) Insurance Application for the Origination of... Information Collection: Home Equity Conversion Mortgage (HECM) Insurance Application for the Origination of...

  18. 26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...

  19. 26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...

  20. 26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...

  1. 26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...

  2. 26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...

  3. 5 CFR 9701.337 - Treatment of employees whose rate of pay falls below the minimum adjusted rate of their band.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... falls below the minimum adjusted rate of their band. 9701.337 Section 9701.337 Administrative Personnel... Administration Locality and Special Rate Supplements § 9701.337 Treatment of employees whose rate of pay falls... (including a locality or special rate supplement) falls below the minimum adjusted rate of his or her band as...

  4. 5 CFR 9701.337 - Treatment of employees whose rate of pay falls below the minimum adjusted rate of their band.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... falls below the minimum adjusted rate of their band. 9701.337 Section 9701.337 Administrative Personnel... Administration Locality and Special Rate Supplements § 9701.337 Treatment of employees whose rate of pay falls... (including a locality or special rate supplement) falls below the minimum adjusted rate of his or her band as...

  5. 5 CFR 9701.337 - Treatment of employees whose rate of pay falls below the minimum adjusted rate of their band.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... falls below the minimum adjusted rate of their band. 9701.337 Section 9701.337 Administrative Personnel... Administration Locality and Special Rate Supplements § 9701.337 Treatment of employees whose rate of pay falls... (including a locality or special rate supplement) falls below the minimum adjusted rate of his or her band as...

  6. 5 CFR 9701.337 - Treatment of employees whose rate of pay falls below the minimum adjusted rate of their band.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... falls below the minimum adjusted rate of their band. 9701.337 Section 9701.337 Administrative Personnel... Administration Locality and Special Rate Supplements § 9701.337 Treatment of employees whose rate of pay falls... (including a locality or special rate supplement) falls below the minimum adjusted rate of his or her band as...

  7. 12 CFR 226.39 - Mortgage transfer disclosures.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... to the loan or it is assigned to the servicer solely for the administrative convenience of the servicer in servicing the obligation. (2) A “mortgage loan” means any consumer credit transaction that is secured by the principal dwelling of a consumer. (b) Disclosure required. Except as provided in paragraph...

  8. 76 FR 17428 - Notice of Submission of Proposed Information Collection to OMB Rehabilitation Mortgage Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-29

    ... Proposed Information Collection to OMB Rehabilitation Mortgage Insurance Underwriting Program Section 203(K... processes for participants in HUD-FHA's 203(K) Rehabilitation Mortgage Insurance Program. DATES: Comments... Program Section 203(K). OMB Approval Number: 2502-0527. Form Numbers: HUD-92700, HUD-92700-A, HUD-9746-A...

  9. 24 CFR 3500.21 - Mortgage servicing transfers.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Statement; Delivery. The lender, table funding mortgage broker, or dealer that anticipates a first lien... application by hand delivery, by placing it in the mail, or, if the applicant agrees, by fax, e-mail, or other... disclosure statement is required to be delivered. If co-applicants indicate the same address on their...

  10. 26 CFR 1.25-1T - Credit for interest paid on certain home mortgages (Temporary).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Credit for interest paid on certain home... on certain home mortgages (Temporary). (a) In general. Section 25 permits States and political... District of Columbia. (ii) Mortgage credit certificates issued by or on behalf of any State or political...

  11. 26 CFR 1.25-1T - Credit for interest paid on certain home mortgages (Temporary).

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 1 2011-04-01 2009-04-01 true Credit for interest paid on certain home... on certain home mortgages (Temporary). (a) In general. Section 25 permits States and political... District of Columbia. (ii) Mortgage credit certificates issued by or on behalf of any State or political...

  12. 75 FR 44655 - Registration of Mortgage Loan Originators

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-28

    ... requires an employee of a bank, savings association, credit union or Farm Credit System (FCS) institution... (collectively, Agency-regulated institutions) who acts as a residential mortgage loan originator to register... this registration. The final rule further provides that Agency- regulated institutions must: require...

  13. A 5-trial adjusting delay discounting task: Accurate discount rates in less than 60 seconds

    PubMed Central

    Koffarnus, Mikhail N.; Bickel, Warren K.

    2014-01-01

    Individuals who discount delayed rewards at a high rate are more likely to engage in substance abuse, overeating, or problem gambling. Findings such as these suggest the value of methods to obtain an accurate and fast measurement of discount rate that can be easily deployed in variety of settings. In the present study, we developed and evaluated the 5-trial adjusting delay task, a novel method of obtaining discount rate in less than one minute. We hypothesized that discount rates from the 5-trial adjusting delay task would be similar and correlated with discount rates from a lengthier task we have used previously, and that four known effects relating to delay discounting would be replicable with this novel task. To test these hypotheses, the 5-trial adjusting delay task was administered to 111 college students six times to obtain discount rates for six different commodities, along with a lengthier adjusting amount discounting task. We found that discount rates were similar and correlated between the 5-trial adjusting delay task and the adjusting amount task. Each of the four known effects relating to delay discounting was replicated with the 5-trial adjusting delay task to varying degrees. First, discount rates were inversely correlated with amount. Second, discount rates between past and future outcomes were correlated. Third, discount rates were greater for consumable rewards than with money, although we did not control for amount in this comparison. Fourth, discount rates were lower when zero amounts opposing the chosen time point were explicitly described. Results indicate that the 5-trial adjusting delay task is a viable, rapid method to assess discount rate. PMID:24708144

  14. A 5-trial adjusting delay discounting task: accurate discount rates in less than one minute.

    PubMed

    Koffarnus, Mikhail N; Bickel, Warren K

    2014-06-01

    Individuals who discount delayed rewards at a high rate are more likely to engage in substance abuse, overeating, or problem gambling. Such findings suggest the value of methods to obtain an accurate and fast measurement of discount rate that can be easily deployed in variety of settings. In the present study, we developed and evaluated the 5-trial adjusting delay task, a novel method of obtaining a discount rate in less than 1 min. We hypothesized that discount rates from the 5-trial adjusting delay task would be similar and would correlate with discount rates from a lengthier task we have used previously, and that 4 known effects relating to delay discounting would be replicable with this novel task. To test these hypotheses, the 5-trial adjusting delay task was administered to 111 college students 6 times to obtain discount rates for 6 different commodities, along with a lengthier adjusting amount discounting task. We found that discount rates were similar and correlated between the 5-trial adjusting delay task and the adjusting amount task. Each of the 4 known effects relating to delay discounting was replicated with the 5-trial adjusting delay task to varying degrees. First, discount rates were inversely correlated with amount. Second, discount rates between past and future outcomes were correlated. Third, discount rates were greater for consumable rewards than with money, although we did not control for amount in this comparison. Fourth, discount rates were lower when $0 amounts opposing the chosen time point were explicitly described. Results indicate that the 5-trial adjusting delay task is a viable, rapid method to assess discount rate. PsycINFO Database Record (c) 2014 APA, all rights reserved.

  15. 26 CFR 301.7701(i)-3 - Effective dates and duration of taxable mortgage pool classification.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... mortgage pool classification. 301.7701(i)-3 Section 301.7701(i)-3 Internal Revenue INTERNAL REVENUE SERVICE... § 301.7701(i)-3 Effective dates and duration of taxable mortgage pool classification. (a) Effective... connected to the entity's issuance of related debt obligations (as defined in paragraph (b)(3) of this...

  16. 12 CFR 560.220 - Alternative Mortgage Transaction Parity Act.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... union, or a federal savings association, may make an alternative mortgage transaction as defined at 12 U..., notwithstanding any state constitution, law, or regulation. See 12 U.S.C. 3803. (b) Applicable regulations. OTS...

  17. 12 CFR 560.220 - Alternative Mortgage Transaction Parity Act.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... union, or a federal savings association, may make an alternative mortgage transaction as defined at 12 U..., notwithstanding any state constitution, law, or regulation. See 12 U.S.C. 3803. (b) Applicable regulations. OTS...

  18. 78 FR 25638 - Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedure Act (Regulation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-02

    ...This rule proposes amendments to some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January of 2013. These amendments clarify or correct provisions on the relation to State law of Regulation X's servicing provisions; the small servicer exemption from certain servicing rules; the use of government- sponsored enterprise and Federal agency purchase, guarantee or insurance eligibility for determining qualified mortgage status; and the determination of debt and income for purposes of originating qualified mortgages.

  19. 24 CFR 401.460 - Modification or refinancing of first mortgage.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... and Urban Development (Continued) OFFICE OF HOUSING AND OFFICE OF MULTIFAMILY HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE...

  20. 24 CFR 401.460 - Modification or refinancing of first mortgage.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... and Urban Development (Continued) OFFICE OF HOUSING AND OFFICE OF MULTIFAMILY HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE...

  1. 24 CFR 401.460 - Modification or refinancing of first mortgage.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... and Urban Development (Continued) OFFICE OF HOUSING AND OFFICE OF MULTIFAMILY HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE...

  2. 24 CFR 401.460 - Modification or refinancing of first mortgage.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... and Urban Development (Continued) OFFICE OF HOUSING AND OFFICE OF MULTIFAMILY HOUSING ASSISTANCE RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE...

  3. 77 FR 35708 - Notice of Submission of Proposed Information Collection to OMB; Home Equity Conversion Mortgage...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-14

    ... Proposed Information Collection to OMB; Home Equity Conversion Mortgage (HECM) Counseling Standardization... placed on the HECM counselor roster and to maintain their name on the HECM counseling roster. For initial... following information: Title of Proposal: Home Equity Conversion Mortgage (HECM) Counseling Standardization...

  4. 17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...

  5. 17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...

  6. 17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...

  7. 17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...

  8. 17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...

  9. 24 CFR 203.390 - Waiver of title-mortgages or property formerly held by the Secretary.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and... conveyed to him, he will not object to title by reason of any lien or other adverse interest that was... mortgage is later conveyed to the Secretary, the Secretary will not object to title by reason of any lien...

  10. 26 CFR 301.7701(i)-3 - Effective dates and duration of taxable mortgage pool classification.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... mortgage pool classification. 301.7701(i)-3 Section 301.7701(i)-3 Internal Revenue INTERNAL REVENUE SERVICE... § 301.7701(i)-3 Effective dates and duration of taxable mortgage pool classification. (a) Effective...(c) of the Tax Reform Act of 1986. (2) Special rule for certain transfers. A transfer made to an...

  11. 24 CFR 232.904 - Term of the mortgage.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Term of the mortgage. 232.904 Section 232.904 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF HOUSING AND...

  12. Peer- and Self-Rated Correlates of a Teacher-Rated Typology of Child Adjustment

    ERIC Educational Resources Information Center

    Lindstrom, William A., Jr.; Lease, A. Michele; Kamphaus, Randy W.

    2007-01-01

    External correlates of a teacher-rated typology of child adjustment developed using the Behavior Assessment System for Children were examined. Participants included 377 elementary school children recruited from 26 classrooms in the southeastern United States. Multivariate analyses of variance and planned comparisons were used to determine whether…

  13. 77 FR 35710 - Notice of Submission of Proposed Information Collection to OMB; FHA-Insured Mortgage Loan...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-14

    ... Act. The Department is soliciting public comments on the subject proposal. FHA insurance is an... essential that FHA maintain a healthy mortgage insurance fund through premiums charged the borrower by FHA... policy and guidance to the single family housing mortgage industry regarding changes in FHA's program is...

  14. 76 FR 15309 - Privacy Act of 1974, as Amended; System of Records; Nationwide Mortgage Licensing System and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-21

    ... and Disaster Recovery Facility). CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM: Residential mortgage... FEDERAL DEPOSIT INSURANCE CORPORATION Privacy Act of 1974, as Amended; System of Records; Nationwide Mortgage Licensing System and Registry AGENCY: Federal Deposit Insurance Corporation. ACTION...

  15. 24 CFR 401.461 - HUD-held second mortgage.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... net cash flow, trending assumptions, amortization provisions, and expected residual value of the...)(i) Principal and interest on the second mortgage is payable only out of net cash flow during its term. “Net cash flow” means that portion of project income that remains after the payment of all...

  16. 24 CFR 401.461 - HUD-held second mortgage.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... net cash flow, trending assumptions, amortization provisions, and expected residual value of the...)(i) Principal and interest on the second mortgage is payable only out of net cash flow during its term. “Net cash flow” means that portion of project income that remains after the payment of all...

  17. 24 CFR 401.461 - HUD-held second mortgage.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... net cash flow, trending assumptions, amortization provisions, and expected residual value of the...)(i) Principal and interest on the second mortgage is payable only out of net cash flow during its term. “Net cash flow” means that portion of project income that remains after the payment of all...

  18. 24 CFR 401.461 - HUD-held second mortgage.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... net cash flow, trending assumptions, amortization provisions, and expected residual value of the...)(i) Principal and interest on the second mortgage is payable only out of net cash flow during its term. “Net cash flow” means that portion of project income that remains after the payment of all...

  19. 24 CFR 401.461 - HUD-held second mortgage.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... net cash flow, trending assumptions, amortization provisions, and expected residual value of the...)(i) Principal and interest on the second mortgage is payable only out of net cash flow during its term. “Net cash flow” means that portion of project income that remains after the payment of all...

  20. 75 FR 53198 - Rate Adjustment for the Satellite Carrier Compulsory License

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-31

    ... LIBRARY OF CONGRESS Copyright Royalty Board 37 CFR Part 386 [Docket No. 2010-4 CRB Satellite Rate] Rate Adjustment for the Satellite Carrier Compulsory License AGENCY: Copyright Royalty Board, Library... last day of a given month. (2) In the case of a station engaged in digital multicasting, the rates set...

  1. 12 CFR 747.1001 - Adjustment of civil money penalties by the rate of inflation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Adjustment of civil money penalties by the rate... civil money penalties by the rate of inflation. (a) NCUA is required by the Federal Civil Penalties... adjust the maximum amount of each civil money penalty within its jurisdiction by the rate of inflation...

  2. 12 CFR 747.1001 - Adjustment of civil money penalties by the rate of inflation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Adjustment of civil money penalties by the rate... civil money penalties by the rate of inflation. (a) NCUA is required by the Federal Civil Penalties... adjust the maximum amount of each civil money penalty within its jurisdiction by the rate of inflation...

  3. 78 FR 51046 - Registration of Mortgage Loan Originators

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-20

    ... Federal Register.\\10\\ Instead of substantively amending the current regulations, the CFPB has made only... State or territory that does not have one in place that meets the requirements of the S.A.F.E. Act. \\10... CFR part 1007 will now govern the registration of residential mortgage loan originators at FCS...

  4. 77 FR 3958 - Mortgage Assets Affected by PACE Programs

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-26

    ... of home improvement projects (e.g., home insulation, solar panels, geothermal energy units, etc... (``ANPR'') concerning mortgage assets affected by Property Assessed Clean Energy (``PACE'') programs and... February 28, 2011, that deal with property assessed clean energy (PACE) programs.'' In response to and...

  5. 78 FR 21503 - Adjustments of Certain Rates of Pay

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-11

    ... Order 13641 of April 5, 2013 Adjustments of Certain Rates of Pay By the authority vested in me as... Consolidated and Further Continuing Appropriations Act, 2013 (Public Law 113-6), which requires certain pay... follows: Section 1. Statutory Pay Systems. Pursuant to the Consolidated and Further Continuing...

  6. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria.

    PubMed

    Iroham, Chukwuemeka O; Okagbue, Hilary I; Ogunkoya, Olalekan A; Owolabi, James D

    2017-06-01

    In this article, two sets of questionnaires were administered to professionals and clients (commercial banks) on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  7. Inappropriate use of payment weights to risk adjust readmission rates.

    PubMed

    Fuller, Richard L; Goldfield, Norbert I; Averill, Richard F; Hughes, John S

    2012-01-01

    In this article, the authors demonstrate that the use of relative weights, as incorporated within the National Quality Forum-endorsed PacifiCare readmission measure, is inappropriate for risk adjusting rates of hospital readmission.

  8. 24 CFR 203.43 - Eligibility of miscellaneous type mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Eligibility Requirements and Underwriting Procedures Eligible... the construction, operation, and maintenance of Grand Coulee Dam and its appurtenant works or of any..., and prior to February 1, 1955) their families and others: Provided, That the principal obligation of a...

  9. Rating long-term care facilities on pressure ulcer development: importance of case-mix adjustment.

    PubMed

    Berlowitz, D R; Ash, A S; Brandeis, G H; Brand, H K; Halpern, J L; Moskowitz, M A

    1996-03-15

    To determine the importance of case-mix adjustment in interpreting differences in rates of pressure ulcer development in Department of Veterans Affairs long- term care facilities. A sample assembled from the Patient Assessment File, a Veterans Affairs administrative database, was used to derive predictors of pressure ulcer development; the resulting model was validated in a separate sample. Facility-level rates of pressure ulcer development, both unadjusted and adjusted for case mix using the predictive model, were compared. Department of Veterans Affairs long-term care facilities. The derivation sample consisted of 31 150 intermediate medicine and nursing home residents who were initially free of pressure ulcers and were institutionalized between October 1991 and April 1993. The validation sample consisted of 17 946 residents institutionalized from April 1993 to October 1993. Development of a stage 2 or greater pressure ulcer. 11 factors predicted pressure ulcer development. Validated performance properties of the resulting model were good. Model-predicted rates of pressure ulcer development at individual long-term care facilities varied from 1.9% to 6.3%, and observed rates ranged from 0% to 10.9%. Case-mix-adjusted rates and ranks of facilities differed considerably from unadjusted ratings. For example, among five facilities that were identified as high outliers on the basis of unadjusted rates, two remained as outliers after adjustment for case mix. Long-term care facilities differ in case mix. Adjustments for case mix result in different judgments about facility performance and should be used when facility incidence rates are compared.

  10. 75 FR 39891 - Rate Adjustment for the Satellite Carrier Compulsory License

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-13

    ... LIBRARY OF CONGRESS Copyright Royalty Board 37 CFR Part 386 [Docket No. 2010-4 CRB Satellite Rate] Rate Adjustment for the Satellite Carrier Compulsory License AGENCY: Copyright Royalty Board, Library..., objections must be brought to the Copyright Office Public Information Office, Library of Congress, James...

  11. 5 CFR 591.228 - How does OPM convert the price index plus adjustment factor to a COLA rate?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... adjustment factor to a COLA rate? 591.228 Section 591.228 Administrative Personnel OFFICE OF PERSONNEL... adjustment factor to a COLA rate? (a) OPM converts the price index plus the adjustment factor to a COLA rate as shown in the following table: Price index plus adjustment factor COLA rate subject to paragraph (b...

  12. 5 CFR 591.228 - How does OPM convert the price index plus adjustment factor to a COLA rate?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... adjustment factor to a COLA rate? 591.228 Section 591.228 Administrative Personnel OFFICE OF PERSONNEL... adjustment factor to a COLA rate? (a) OPM converts the price index plus the adjustment factor to a COLA rate as shown in the following table: Price index plus adjustment factor COLA rate subject to paragraph (b...

  13. 5 CFR 591.228 - How does OPM convert the price index plus adjustment factor to a COLA rate?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... adjustment factor to a COLA rate? 591.228 Section 591.228 Administrative Personnel OFFICE OF PERSONNEL... adjustment factor to a COLA rate? (a) OPM converts the price index plus the adjustment factor to a COLA rate as shown in the following table: Price index plus adjustment factor COLA rate subject to paragraph (b...

  14. 5 CFR 591.228 - How does OPM convert the price index plus adjustment factor to a COLA rate?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... adjustment factor to a COLA rate? 591.228 Section 591.228 Administrative Personnel OFFICE OF PERSONNEL... adjustment factor to a COLA rate? (a) OPM converts the price index plus the adjustment factor to a COLA rate as shown in the following table: Price index plus adjustment factor COLA rate subject to paragraph (b...

  15. State infant mortality: an ecologic study to determine modifiable risks and adjusted infant mortality rates.

    PubMed

    Paul, David A; Mackley, Amy; Locke, Robert G; Stefano, John L; Kroelinger, Charlan

    2009-05-01

    To determine factors contributing to state infant mortality rates (IMR) and develop an adjusted IMR in the United States for 2001 and 2002. Ecologic study of factors contributing to state IMR. State IMR for 2001 and 2002 were obtained from the United States linked death and birth certificate data from the National Center for Health Statistics. Factors investigated using multivariable linear regression included state racial demographics, ethnicity, state population, median income, education, teen birth rate, proportion of obesity, smoking during pregnancy, diabetes, hypertension, cesarean delivery, prenatal care, health insurance, self-report of mental illness, and number of in-vitro fertilization procedures. Final risk adjusted IMR's were standardized and states were compared with the United States adjusted rates. Models for IMR in individual states in 2001 (r2 = 0.66, P < 0.01) and 2002 (r2 = 0.81, P < 0.01) were tested. African-American race, teen birth rate, and smoking during pregnancy remained independently associated with state infant mortality rates for 2001 and 2002. Ninety five percent confidence intervals (CI) were calculated around the regression lines to model the expected IMR. After adjustment, some states maintained a consistent IMR; for instance, Vermont and New Hampshire remained low, while Delaware and Louisiana remained high. However, other states such as Mississippi, which have traditionally high infant mortality rates, remained within the expected 95% CI for IMR after adjustment indicating confounding affected the initial unadjusted rates. Non-modifiable demographic variables, including the percentage of non-Hispanic African-American and Hispanic populations of the state are major factors contributing to individual variation in state IMR. Race and ethnicity may confound or modify the IMR in states that shifted inside or outside the 95% CI following adjustment. Other factors including smoking during pregnancy and teen birth rate, which are

  16. “There's a Difference—I Own This”: Negotiating Social and Financial Services under Threat of Mortgage Foreclosure.

    PubMed

    Castro Baker, Amy; Keene, Danya E

    2016-10-01

    Although national housing markets have recovered from the Great Recession, communities hardest hit by the foreclosure crisis remain immersed in mortgage trouble. Nineteen percent of homeowners are underwater on their mortgages and communities of color are overrepresented among zip codes still experiencing default in rising numbers. The social services needs of homeowners at risk of foreclosure show few signs of abating. High levels of market risk, asymmetrical power relationships, and the assumption that rational action can protect homeowners mark the climate in which households and social workers operate while attempting to halt foreclosure. The research described in this article draws on in-depth interviews conducted with homeowners at risk of default to examine the strategies they used to alleviate their mortgage strain. These strategies included seeking aid from financial and social services institutions while living under threat of default. As homeowners experienced mortgage strain they engaged in recommended rational market actions such as negotiating with lenders, increasing work hours, practicing strict household budgeting, and seeking aid from social work agencies to offset mortgage costs. The gathered data suggest that some social workers responded with poorly contextualized treatment plans and language characterized by disrespect, shame, and blame; others responded with mental health assistance, referrals to legal aid, and a helping relationship characterized by a sense of mattering that seemed to buffer against the psychosocial stressors associated with foreclosure.

  17. Transportation credit mortgages, spatial sorting, and housing supply : who benefits?

    DOT National Transportation Integrated Search

    2007-01-01

    Transportation credit mortgage (TCM) programs are intended to reduce auto use, decrease sprawl, and increase housing options for low- and moderate-income households. The centerpiece of such programs is a credit to income for expected savings on auto ...

  18. 12 CFR 560.220 - Alternative Mortgage Transaction Parity Act.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Act. (a) Applicable housing creditors. A housing creditor that is not a commercial bank, a credit... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Alternative Mortgage Transaction Parity Act. 560.220 Section 560.220 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY...

  19. 78 FR 649 - Adjustments of Certain Rates of Pay

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-03

    ... Adjustments of Certain Rates of Pay By the authority vested in me as President by the Constitution and the... certain pay schedules for civilian Federal employees may take effect on the first day of the first applicable pay period beginning after the date specified in section 106(3) of Public Law 112-175, it is...

  20. 25 CFR 162.584 - What is the approval process for a leasehold mortgage of a WSR lease?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 25 Indians 1 2013-04-01 2013-04-01 false What is the approval process for a leasehold mortgage of a WSR lease? 162.584 Section 162.584 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.584 What...

  1. 25 CFR 162.584 - What is the approval process for a leasehold mortgage of a WSR lease?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 25 Indians 1 2014-04-01 2014-04-01 false What is the approval process for a leasehold mortgage of a WSR lease? 162.584 Section 162.584 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.584 What...

  2. 25 CFR 162.583 - What are the consent requirements for a leasehold mortgage of a WSR lease?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 25 Indians 1 2013-04-01 2013-04-01 false What are the consent requirements for a leasehold mortgage of a WSR lease? 162.583 Section 162.583 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.583...

  3. 25 CFR 162.583 - What are the consent requirements for a leasehold mortgage of a WSR lease?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 25 Indians 1 2014-04-01 2014-04-01 false What are the consent requirements for a leasehold mortgage of a WSR lease? 162.583 Section 162.583 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.583...

  4. 24 CFR 203.43 - Eligibility of miscellaneous type mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Department of the Interior located within the town area of Coulee Dam, WA, acquired by the United States for the construction, operation, and maintenance of Grand Coulee Dam and its appurtenant works or of any... be located on the mortgaged property a dwelling unit designed principally for residential use for not...

  5. Institutional racism and pregnancy health: using Home Mortgage Disclosure act data to develop an index for Mortgage discrimination at the community level.

    PubMed

    Mendez, Dara D; Hogan, Vijaya K; Culhane, Jennifer

    2011-01-01

    We used Home Mortgage Disclosure Act (HMDA) data to demonstrate a method for constructing a residential redlining index to measure institutional racism at the community level. We examined the application of the index to understand the social context of health inequities by applying the residential redlining index among a cohort of pregnant women in Philadelphia. We used HMDA data from 1999-2004 to create residential redlining indices for each census tract in Philadelphia County, Pennsylvania. We linked the redlining indices to data from a pregnancy cohort study and the 2000 Census. We spatially mapped the levels of redlining for each census tract for this pregnancy cohort and tested the association between residential redlining and other community-level measures of segregation and individual health. From 1999-2004, loan applicants in Philadelphia County, Pennsylvania, of black race/ethnicity were almost two times as likely to be denied a mortgage loan compared with applicants who were white (e.g., 1999 odds ratio [OR] = 2.00, 95% confidence interval [CI] 1.63, 2.28; and 2004 OR=2.26, 95% CI 1.98, 2.58). The majority (77.5%) of the pregnancy cohort resided in redlined neighborhoods, and there were significant differences in residence in redlined areas by race/ethnicity (p<0.001). Among the pregnancy cohort, redlining was associated with residential segregation as measured by the percentage of black population (r=0.155), dissimilarity (r=0.250), exposure (r=-0.115), and isolation (r=0.174) indices. The evidence of institutional racism may contribute to our understanding of health disparities. Residential redlining and mortgage discrimination against communities may be a major factor influencing neighborhood structure, composition, development, and wealth attainment. This residential redlining index as a measure for institutional racism can be applied in health research to understand the unique social and neighborhood contexts that contribute to health inequities.

  6. 75 FR 9247 - Single Family Mortgage Insurance Premium, Single Family

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-01

    ... is soliciting public comments on the subject proposal. Lenders use the Single Family Premium... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-13] Single Family Mortgage Insurance Premium, Single Family AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice...

  7. 12 CFR Appendix B to Subpart G - Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... title commitment report detailing the seller's ownership of the property, the date it was acquired, or... Higher-Priced Mortgage Loan Appraisal Rules B Appendix B to Subpart G Banks and Banking COMPTROLLER OF...-Priced Mortgage Loans Pt. 34, Subp. G, App. B Appendix B to Subpart G—Illustrative Written Source...

  8. 12 CFR 34.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ....103 Section 34.103 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees... paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify their identity...

  9. 12 CFR 34.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ....103 Section 34.103 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees... paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify their identity...

  10. 12 CFR 34.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ....103 Section 34.103 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees... paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify their identity...

  11. 12 CFR 34.103 - Registration of mortgage loan originators.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ....103 Section 34.103 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees... paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify their identity...

  12. 26 CFR 20.2053-7 - Deduction for unpaid mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... valuation method under section 2032 is selected. In any case where real property situated outside the United... amount of a mortgage upon, or of any other indebtedness in respect of, any property of the gross estate, including interest which had accrued thereon to the date of death, provided the value of the property...

  13. 24 CFR 242.73 - Waiver of eligibility requirements for mortgage insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., without regard to any limitation upon eligibility contained in this subpart, any mortgage assigned to him... with a sale by him or her of any property previously insured under this part and acquired subsequent to...

  14. 78 FR 80451 - Adjustments of Certain Rates of Pay

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-31

    ... of Pay By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered as follows: Section 1. Statutory Pay Systems. The rates of basic pay or salaries of the statutory pay systems (as defined in 5 U.S.C. 5302(1)), as adjusted under 5 U.S...

  15. 24 CFR 401.460 - Modification or refinancing of first mortgage.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... modification under the Restructuring Plan. The debt service coverage used by the PAE must be adequate for... RESTRUCTURING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MULTIFAMILY HOUSING MORTGAGE AND HOUSING ASSISTANCE RESTRUCTURING PROGRAM (MARK-TO-MARKET) Restructuring Plan § 401.460 Modification or refinancing of first...

  16. 39 CFR 3010.2 - Types of rate adjustments for market dominant products.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., authorized under 39 U.S.C. 3622(d)(1)(E), is based on exigent circumstances. (b) Upon the establishment of... adjustment, authorized under 39 U.S.C. 3622(d)(1)(D), is based on the statutory annual limitation. A Type 1-B rate adjustment, authorized under 39 U.S.C. 3622(d)(2)(C), is based on an exception to the annual...

  17. 38 CFR 36.4300 - Applicability and qualified mortgage status.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2014-07-01 2014-07-01 false Applicability and qualified mortgage status. 36.4300 Section 36.4300 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF...” loan with a term of 12 months or less, such as a loan to finance the purchase of a new dwelling where...

  18. Integer programming applications: Bond trading, mortgage backed security financing, and FASB 115 accounting

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Nauss, R.

    1994-12-31

    In this review we describe three integer programming applications involving fixed income securities. A bond trading model is presented that features a number of possible different objectives and collections of constraints including future interest rate scenarios. A mortgage backed security (MBS) financing model that accounts for potential defaults in the MBS is also presented. Finally we describe an approach to allocate collections of bank securities into three categories: hold to maturity, available for sale, or trading. Placement of securities in these categories affects the capital, net income, and liquidity of a bank according to new accounting rules promulgated by themore » Financial Accounting Standards Board.« less

  19. 25 CFR 162.585 - How will BIA decide whether to approve a leasehold mortgage of a WSR lease?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 25 Indians 1 2013-04-01 2013-04-01 false How will BIA decide whether to approve a leasehold mortgage of a WSR lease? 162.585 Section 162.585 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.585...

  20. 25 CFR 162.585 - How will BIA decide whether to approve a leasehold mortgage of a WSR lease?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 25 Indians 1 2014-04-01 2014-04-01 false How will BIA decide whether to approve a leasehold mortgage of a WSR lease? 162.585 Section 162.585 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.585...

  1. 46 CFR 356.19 - Requirements to hold a Preferred Mortgage.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Requirements to hold a Preferred Mortgage. 356.19 Section 356.19 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION MISCELLANEOUS REQUIREMENTS FOR VESSELS OF 100 FEET OR GREATER IN REGISTERED LENGTH TO OBTAIN A FISHERY ENDORSEMENT TO THE VESSEL...

  2. 46 CFR 356.19 - Requirements to hold a Preferred Mortgage.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false Requirements to hold a Preferred Mortgage. 356.19 Section 356.19 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION MISCELLANEOUS REQUIREMENTS FOR VESSELS OF 100 FEET OR GREATER IN REGISTERED LENGTH TO OBTAIN A FISHERY ENDORSEMENT TO THE VESSEL...

  3. Comparison of crude and adjusted mortality rates from leading causes of death in northeastern Brazil.

    PubMed

    França, Elisabeth; Rao, Chalapati; Abreu, Daisy Maria Xavier de; Souza, Maria de Fátima Marinho de; Lopez, Alan D

    2012-04-01

    To present how the adjustment of incompleteness and misclassification of causes of death in the vital registration (VR) system can contribute to more accurate estimates of the risk of mortality from leading causes of death in northeastern Brazil. After estimating the total numbers of deaths by age and sex in Brazil's Northeast region in 2002-2004 by correcting for undercount in the VR data, adjustment algorithms were applied to the reported cause-of-death structure. Average annual age-standardized mortality rates were computed by cause, with and without the corrections, and compared to death rates for Brazil's South region after adjustments for potential misdiagnosis. Death rates from ischemic heart disease, lower respiratory infections, chronic obstructive pulmonary disease, and perinatal conditions were more than 100% higher for both sexes than what was suggested by the routine VR data. Corrected cause-specific mortality rates were higher in the Northeast region versus the South region for the majority of causes of death, including several noncommunicable conditions. Failure to adjust VR data for undercount of cases reported and misdiagnoses will cause underestimation of mortality risks for the populations of the Northeast region, which are more vulnerable than those in other regions of the country. In order to more reliably understand the pattern of disease, all cause-specific mortality rates in poor populations should be adjusted.

  4. Gaming in risk-adjusted mortality rates: effect of misclassification of risk factors in the benchmarking of cardiac surgery risk-adjusted mortality rates.

    PubMed

    Siregar, Sabrina; Groenwold, Rolf H H; Versteegh, Michel I M; Noyez, Luc; ter Burg, Willem Jan P P; Bots, Michiel L; van der Graaf, Yolanda; van Herwerden, Lex A

    2013-03-01

    Upcoding or undercoding of risk factors could affect the benchmarking of risk-adjusted mortality rates. The aim was to investigate the effect of misclassification of risk factors on the benchmarking of mortality rates after cardiac surgery. A prospective cohort was used comprising all adult cardiac surgery patients in all 16 cardiothoracic centers in The Netherlands from January 1, 2007, to December 31, 2009. A random effects model, including the logistic European system for cardiac operative risk evaluation (EuroSCORE) was used to benchmark the in-hospital mortality rates. We simulated upcoding and undercoding of 5 selected variables in the patients from 1 center. These patients were selected randomly (nondifferential misclassification) or by the EuroSCORE (differential misclassification). In the random patients, substantial misclassification was required to affect benchmarking: a 1.8-fold increase in prevalence of the 4 risk factors changed an underperforming center into an average performing one. Upcoding of 1 variable required even more. When patients with the greatest EuroSCORE were upcoded (ie, differential misclassification), a 1.1-fold increase was sufficient: moderate left ventricular function from 14.2% to 15.7%, poor left ventricular function from 8.4% to 9.3%, recent myocardial infarction from 7.9% to 8.6%, and extracardiac arteriopathy from 9.0% to 9.8%. Benchmarking using risk-adjusted mortality rates can be manipulated by misclassification of the EuroSCORE risk factors. Misclassification of random patients or of single variables will have little effect. However, limited upcoding of multiple risk factors in high-risk patients can greatly influence benchmarking. To minimize "gaming," the prevalence of all risk factors should be carefully monitored. Copyright © 2013 The American Association for Thoracic Surgery. Published by Mosby, Inc. All rights reserved.

  5. 24 CFR 203.20 - Agreed interest rate.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Agreed interest rate. 203.20... § 203.20 Agreed interest rate. (a) The mortgage shall bear interest at the rate agreed upon by the mortgagee and the mortgagor. (b) Interest shall be payable in monthly installments on the principal amount...

  6. 48 CFR 52.222-32 - Construction Wage Rate Requirements-Price Adjustment (Actual Method).

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 2 2014-10-01 2014-10-01 false Construction Wage Rate... CLAUSES Text of Provisions and Clauses 52.222-32 Construction Wage Rate Requirements—Price Adjustment (Actual Method). As prescribed in 22.407(g), insert the following clause: Construction Wage Rate...

  7. 12 CFR 906.5 - Monthly interest rate survey.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Monthly interest rate survey. 906.5 Section 906... OPERATIONS OPERATIONS Monthly Interest Rate Survey (MIRS) § 906.5 Monthly interest rate survey. The Finance Board conducts its Monthly Survey of Rates and Terms on Conventional One-Family Non-farm Mortgage Loans...

  8. Age-Adjustment and Related Epidemiology Rates in Education and Research

    ERIC Educational Resources Information Center

    Baker, John D.; Kruckman, Laurence; George, Joyce

    2006-01-01

    A quick review of introductory textbooks reveals that while gerontology authors and instructors introduce some aspect of demography and epidemiology data, there is limited focus on age adjustment or other important epidemiology rates. The goal of this paper is to reintroduce a variety of basic epidemiology strategies such as incidence, prevalence,…

  9. 26 CFR 1.6081-7 - Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 13 2013-04-01 2013-04-01 false Automatic extension of time to file Real Estate...) Extension of Time for Filing Returns § 1.6081-7 Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax return. (a) In general. A Real Estate Mortgage Investment Conduit...

  10. 26 CFR 1.6081-7 - Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 13 2012-04-01 2012-04-01 false Automatic extension of time to file Real Estate...) Extension of Time for Filing Returns § 1.6081-7 Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax return. (a) In general. A Real Estate Mortgage Investment Conduit...

  11. 26 CFR 1.6081-7 - Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 13 2011-04-01 2011-04-01 false Automatic extension of time to file Real Estate...) Extension of Time for Filing Returns § 1.6081-7 Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax return. (a) In general. A Real Estate Mortgage Investment Conduit...

  12. 26 CFR 1.6081-7 - Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 13 2014-04-01 2014-04-01 false Automatic extension of time to file Real Estate...) Extension of Time for Filing Returns § 1.6081-7 Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax return. (a) In general. A Real Estate Mortgage Investment Conduit...

  13. 26 CFR 1.6081-7 - Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 13 2010-04-01 2010-04-01 false Automatic extension of time to file Real Estate... Time for Filing Returns § 1.6081-7 Automatic extension of time to file Real Estate Mortgage Investment Conduit (REMIC) income tax return. (a) In general. A Real Estate Mortgage Investment Conduit (REMIC...

  14. Consumer Education Resources: Credit, Credit Problems, Home Mortgages & Equity Loans.

    ERIC Educational Resources Information Center

    Eastern Michigan Univ., Ypsilanti. National Inst. for Consumer Education.

    This document contains five lists of consumer resources pertaining to credit, credit problems, and home mortgages and equity loans. The first list, targeted at adults, provides information on general credit, applying for credit and contracts, seniors and women and credit, credit options and costs, credit protection, credit reports and bureaus, and…

  15. Points of Interest: What Determines Interest Rates?

    ERIC Educational Resources Information Center

    Schilling, Tim

    Interest rates can significantly influence people's behavior. When rates decline, homeowners rush to buy new homes and refinance old mortgages; automobile buyers scramble to buy new cars; the stock market soars, and people tend to feel more optimistic about the future. But even though individuals respond to changes in rates, they may not fully…

  16. Carrington Real Estate Services, LLC and Carrington Mortgage Services, LLC Information Sheet

    EPA Pesticide Factsheets

    Carrington Real Estate Services, LLC and Carrington Mortgage Services, LLC (the Company) is located in Anaheim, California. The settlement involves the sale of properties constructed prior to 1978, located in Bakersfield and Ridgecrest, California.

  17. Institutional Racism and Pregnancy Health: Using Home Mortgage Disclosure Act Data to Develop an Index for Mortgage Discrimination at the Community Level

    PubMed Central

    Mendez, Dara D.; Hogan, Vijaya K.; Culhane, Jennifer

    2011-01-01

    Objectives We used Home Mortgage Disclosure Act (HMDA) data to demonstrate a method for constructing a residential redlining index to measure institutional racism at the community level. We examined the application of the index to understand the social context of health inequities by applying the residential redlining index among a cohort of pregnant women in Philadelphia. Methods We used HMDA data from 1999–2004 to create residential redlining indices for each census tract in Philadelphia County, Pennsylvania. We linked the redlining indices to data from a pregnancy cohort study and the 2000 Census. We spatially mapped the levels of redlining for each census tract for this pregnancy cohort and tested the association between residential redlining and other community-level measures of segregation and individual health. Results From 1999–2004, loan applicants in Philadelphia County, Pennsylvania, of black race/ethnicity were almost two times as likely to be denied a mortgage loan compared with applicants who were white (e.g., 1999 odds ratio [OR] = 2.00, 95% confidence interval [CI] 1.63, 2.28; and 2004 OR=2.26, 95% CI 1.98, 2.58). The majority (77.5%) of the pregnancy cohort resided in redlined neighborhoods, and there were significant differences in residence in redlined areas by race/ethnicity (p<0.001). Among the pregnancy cohort, redlining was associated with residential segregation as measured by the percentage of black population (r=0.155), dissimilarity (r=0.250), exposure (r=–0.115), and isolation (r=0.174) indices. Conclusions The evidence of institutional racism may contribute to our understanding of health disparities. Residential redlining and mortgage discrimination against communities may be a major factor influencing neighborhood structure, composition, development, and wealth attainment. This residential redlining index as a measure for institutional racism can be applied in health research to understand the unique social and neighborhood

  18. 39 CFR 3010.13 - Proceedings for Type 1-A and Type 1-B rate adjustment filings.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Proceedings for Type 1-A and Type 1-B rate... (Type 1-A and 1-B Rate Adjustments) § 3010.13 Proceedings for Type 1-A and Type 1-B rate adjustment... include: (1) The general nature of the proceeding; (2) A reference to legal authority to which the...

  19. Getting sick and falling behind: health and the risk of mortgage default and home foreclosure.

    PubMed

    Houle, Jason N; Keene, Danya E

    2015-04-01

    An emerging literature shows that mortgage strain can lead to poor health outcomes, but less work has focused on whether and how health shocks influence mortgage distress. We examine the link between changes in health status and default/foreclosure risk among older middle-aged adults. We used National Longitudinal Study of Youth 1979 data and multivariate logistic regression models to examine the relationship between changes in health limitations and chronic conditions across survey waves and risk of mortgage default and foreclosure. We found that changes in health limitations and chronic conditions increased the risk of default and foreclosure between 2007 and 2010. These associations were partially mediated by changes in family income and loss of health insurance. From a policy perspective, the strong link between the onset of illness and foreclosure suggests a need to re-examine the safety-nets that are available to individuals who become ill or disabled. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  20. Solar radiation increases suicide rate after adjusting for other climate factors in South Korea.

    PubMed

    Jee, Hee-Jung; Cho, Chul-Hyun; Lee, Yu Jin; Choi, Nari; An, Hyonggin; Lee, Heon-Jeong

    2017-03-01

    Previous studies have indicated that suicide rates have significant seasonal variations. There is seasonal discordance between temperature and solar radiation due to the monsoon season in South Korea. We investigated the seasonality of suicide and assessed its association with climate variables in South Korea. Suicide rates were obtained from the National Statistical Office of South Korea, and climatic data were obtained from the Korea Meteorological Administration for the period of 1992-2010. We conducted analyses using a generalized additive model (GAM). First, we explored the seasonality of suicide and climate variables such as mean temperature, daily temperature range, solar radiation, and relative humidity. Next, we identified confounding climate variables associated with suicide rate. To estimate the adjusted effect of solar radiation on the suicide rate, we investigated the confounding variables using a multivariable GAM. Suicide rate showed seasonality with a pattern similar to that of solar radiation. We found that the suicide rate increased 1.008 times when solar radiation increased by 1 MJ/m 2 after adjusting for other confounding climate factors (P < 0.001). Solar radiation has a significant linear relationship with suicide after adjusting for region, other climate variables, and time trends. © 2016 John Wiley & Sons A/S. Published by John Wiley & Sons Ltd.

  1. Early warning system for potential churners among mortgage customers

    NASA Astrophysics Data System (ADS)

    Irpan, Hamidah Muhd; Aidid, Sharifah Sakinah Syed Hassan; Mohmad, Sarahiza; Ibrahim, Noorazilah

    2014-07-01

    Retaining existing customer is a major task for many companies because cost to acquire new customers is higher than retaining existing customers. For mortgage business in Bank X, customer relationship management plays a big role to understand their customers' profile and churners so that suitable action can be done to retain their potential churners. Objectives of this study are (1) understanding their customers' profile and churners, (2) modeling potential churners using neural network model and (3) to deploy the model to identify potential churners. Data was divided into two parts: sampling (67,470 cases) and scoring (4,488 cases). Analysis was done using SAS Enterprise Miner. Dependent variable is churner/non churner while independent variables are balance and amount of loan, interest rate offered installment amount, loan performance, months in arrear, vintage, tenure, age, race and gender. Potential churners were identified as Malays, followed by Indian, other races and Chinese. Nonperforming loan and male customers tend to churn compared to performing loan and female customers. Younger customers with small loan amount, balance and monthly instalment, higher interest rate, have many months in arrears, longer vintage and tenure have higher tendency to churn from Bank X. Hence, Bank X should focus on the potential churners for their campaign to minimize the expenses of retaining existing customers by doing an effective campaign with high successful rate.

  2. 24 CFR 203.12 - Mortgage insurance on proposed or new construction.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Mortgage insurance on proposed or new construction. 203.12 Section 203.12 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING...

  3. 24 CFR 203.12 - Mortgage insurance on proposed or new construction.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Mortgage insurance on proposed or new construction. 203.12 Section 203.12 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING...

  4. 24 CFR 203.12 - Mortgage insurance on proposed or new construction.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Mortgage insurance on proposed or new construction. 203.12 Section 203.12 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING...

  5. 24 CFR 242.23 - Maximum mortgage amounts and cash equity requirements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Maximum mortgage amounts and cash equity requirements. 242.23 Section 242.23 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING...

  6. Understanding heart rate alarm adjustment in the intensive care units through an analytical approach.

    PubMed

    Fidler, Richard L; Pelter, Michele M; Drew, Barbara J; Palacios, Jorge Arroyo; Bai, Yong; Stannard, Daphne; Aldrich, J Matt; Hu, Xiao

    2017-01-01

    Heart rate (HR) alarms are prevalent in ICU, and these parameters are configurable. Not much is known about nursing behavior associated with tailoring HR alarm parameters to individual patients to reduce clinical alarm fatigue. To understand the relationship between heart rate (HR) alarms and adjustments to reduce unnecessary heart rate alarms. Retrospective, quantitative analysis of an adjudicated database using analytical approaches to understand behaviors surrounding parameter HR alarm adjustments. Patients were sampled from five adult ICUs (77 beds) over one month at a quaternary care university medical center. A total of 337 of 461 ICU patients had HR alarms with 53.7% male, mean age 60.3 years, and 39% non-Caucasian. Default HR alarm parameters were 50 and 130 beats per minute (bpm). The occurrence of each alarm, vital signs, and physiologic waveforms was stored in a relational database (SQL server). There were 23,624 HR alarms for analysis, with 65.4% exceeding the upper heart rate limit. Only 51% of patients with HR alarms had parameters adjusted, with a median upper limit change of +5 bpm and -1 bpm lower limit. The median time to first HR parameter adjustment was 17.9 hours, without reduction in alarms occurrence (p = 0.57). HR alarms are prevalent in ICU, and half of HR alarm settings remain at default. There is a long delay between HR alarms and parameters changes, with insufficient changes to decrease HR alarms. Increasing frequency of HR alarms shortens the time to first adjustment. Best practice guidelines for HR alarm limits are needed to reduce alarm fatigue and improve monitoring precision.

  7. Understanding heart rate alarm adjustment in the intensive care units through an analytical approach

    PubMed Central

    Pelter, Michele M.; Drew, Barbara J.; Palacios, Jorge Arroyo; Bai, Yong; Stannard, Daphne; Aldrich, J. Matt; Hu, Xiao

    2017-01-01

    Background Heart rate (HR) alarms are prevalent in ICU, and these parameters are configurable. Not much is known about nursing behavior associated with tailoring HR alarm parameters to individual patients to reduce clinical alarm fatigue. Objectives To understand the relationship between heart rate (HR) alarms and adjustments to reduce unnecessary heart rate alarms. Methods Retrospective, quantitative analysis of an adjudicated database using analytical approaches to understand behaviors surrounding parameter HR alarm adjustments. Patients were sampled from five adult ICUs (77 beds) over one month at a quaternary care university medical center. A total of 337 of 461 ICU patients had HR alarms with 53.7% male, mean age 60.3 years, and 39% non-Caucasian. Default HR alarm parameters were 50 and 130 beats per minute (bpm). The occurrence of each alarm, vital signs, and physiologic waveforms was stored in a relational database (SQL server). Results There were 23,624 HR alarms for analysis, with 65.4% exceeding the upper heart rate limit. Only 51% of patients with HR alarms had parameters adjusted, with a median upper limit change of +5 bpm and -1 bpm lower limit. The median time to first HR parameter adjustment was 17.9 hours, without reduction in alarms occurrence (p = 0.57). Conclusions HR alarms are prevalent in ICU, and half of HR alarm settings remain at default. There is a long delay between HR alarms and parameters changes, with insufficient changes to decrease HR alarms. Increasing frequency of HR alarms shortens the time to first adjustment. Best practice guidelines for HR alarm limits are needed to reduce alarm fatigue and improve monitoring precision. PMID:29176776

  8. Use of age-adjusted rates of suicide in time series studies in Israel.

    PubMed

    Bridges, F Stephen; Tankersley, William B

    2009-01-01

    Durkheim's modified theory of suicide was examined to explore how consistent it was in predicting Israeli rates of suicide from 1965 to 1997 when using age-adjusted rates rather than crude ones. In this time-series study, Israeli male and female rates of suicide increased and decreased, respectively, between 1965 and 1997. Conforming to Durkheim's modified theory, the Israeli male rate of suicide was lower in years when rates of marriage and birth are higher, while rates of suicide are higher in years when rates of divorce are higher, the opposite to that of Israeli women. The corrected regression coefficients suggest that the Israeli female rate of suicide remained lower in years when rate of divorce is higher, again the opposite suggested by Durkheim's modified theory. These results may indicate that divorce affects the mental health of Israeli women as suggested by their lower rate of suicide. Perhaps the "multiple roles held by Israeli females creates suicidogenic stress" and divorce provides some sense of stress relief, mentally speaking. The results were not as consistent with predictions suggested by Durkheim's modified theory of suicide as were rates from the United States for the same period nor were they consistent with rates based on "crude" suicide data. Thus, using age-adjusted rates of suicide had an influence on the prediction of the Israeli rate of suicide during this period.

  9. Asset Depletion, Chronic Financial Stress, and Mortgage Trouble Among Older Female Homeowners.

    PubMed

    Castro Baker, Amy; West, Stacia; Wood, Anna

    2017-09-08

    The Great Recession disproportionately impacted older adults and women of color, suggesting that women may be entering retirement without adequate assets. However, the current literature lacks a detailed account of women's experiences of mortgage trouble and foreclosure, as well as a longitudinal view of how these experiences impacted their overall financial assets. Grounded in cumulative inequality theory, this mixed methods study employed a QUAL→quan approach to gather qualitative data from a sample of 21 older adult women regarding their experiences of mortgage trouble. Quantitative longitudinal data was gathered for a subsample of the Early Baby Boomer Cohort using the Health and Retirement Study. Qualitative findings indicated women approaching retirement experienced chronic underemployment, wage stagnation, and financial volatility as contributors to asset depletion and eventual mortgage default or foreclosure. Quantitative results indicated asset depletion both during and post-Recession was considerably more pronounced among older adult women of color compared to older adult White men. These findings suggest that a lifetime of financial disadvantage coupled with macroeconomic instability situates older adult women, particularly women of color, in a financially vulnerable position for retirement. The ways in which 2017 attacks on the Consumer Financial Protection Bureau, Dodd-Frank, and the Fiduciary rule carry potential to further destabilize this population are also discussed. © The Author 2017. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  10. 24 CFR 203.43i - Eligibility of mortgages on Hawaiian Home Lands insured pursuant to section 247 of the National...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Hawaiian Home Lands insured pursuant to section 247 of the National Housing Act. 203.43i Section 203.43i... Eligibility of mortgages on Hawaiian Home Lands insured pursuant to section 247 of the National Housing Act. (a) Eligibility. A mortgage on a homestead lease granted by the Department of Hawaiian Home Lands...

  11. Impact of Race/Ethnicity and Socioeconomic Status on Risk-Adjusted Hospital Readmission Rates Following Hip and Knee Arthroplasty.

    PubMed

    Martsolf, Grant R; Barrett, Marguerite L; Weiss, Audrey J; Kandrack, Ryan; Washington, Raynard; Steiner, Claudia A; Mehrotra, Ateev; SooHoo, Nelson F; Coffey, Rosanna

    2016-08-17

    Readmission rates following total hip arthroplasty (THA) and total knee arthroplasty (TKA) are increasingly used to measure hospital performance. Readmission rates that are not adjusted for race/ethnicity and socioeconomic status, patient risk factors beyond a hospital's control, may not accurately reflect a hospital's performance. In this study, we examined the extent to which risk-adjusting for race/ethnicity and socioeconomic status affected hospital performance in terms of readmission rates following THA and TKA. We calculated 2 sets of risk-adjusted readmission rates by (1) using the Centers for Medicare & Medicaid Services standard risk-adjustment algorithm that incorporates patient age, sex, comorbidities, and hospital effects and (2) adding race/ethnicity and socioeconomic status to the model. Using data from the Healthcare Cost and Utilization Project, 2011 State Inpatient Databases, we compared the relative performances of 1,194 hospitals across the 2 methods. Addition of race/ethnicity and socioeconomic status to the risk-adjustment algorithm resulted in (1) little or no change in the risk-adjusted readmission rates at nearly all hospitals; (2) no change in the designation of the readmission rate as better, worse, or not different from the population mean at >99% of the hospitals; and (3) no change in the excess readmission ratio at >97% of the hospitals. Inclusion of race/ethnicity and socioeconomic status in the risk-adjustment algorithm led to a relative-performance change in readmission rates following THA and TKA at <3% of the hospitals. We believe that policymakers and payers should consider this result when deciding whether to include race/ethnicity and socioeconomic status in risk-adjusted THA and TKA readmission rates used for hospital accountability, payment, and public reporting. Prognostic Level III. See instructions for Authors for a complete description of levels of evidence. Copyright © 2016 by The Journal of Bone and Joint Surgery

  12. 26 CFR 1.6050H-1 - Information reporting of mortgage interest received in a trade or business from an individual.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... of record. A payor of record on a mortgage is the person carried on the books and records of the interest recipient as the principal borrower on the mortgage. If the books and records of the interest... from the payor of record is secured by the payor of record's principal residence. An intention by the...

  13. [Do laymen understand information about hospital quality? An empirical verification using risk-adjusted mortality rates as an example].

    PubMed

    Sander, Uwe; Kolb, Benjamin; Taheri, Fatemeh; Patzelt, Christiane; Emmert, Martin

    2017-11-01

    The effect of public reporting to improve quality in healthcare is reduced by the limited intelligibility of information about the quality of healthcare providers. This may result in worse health-related choices especially for older people and those with lower levels of education. There is, as yet, little information as to whether laymen understand the concepts behind quality comparisons and if this comprehension is correlated with hospital choices. An instrument with 20 items was developed to analyze the intelligibility of five technical terms which were used in German hospital report cards to explain risk-adjusted death rates. Two online presentations of risk-adjusted death rates for five hospitals in the style of hospital report cards were developed. An online survey of 353 volunteers tested the comprehension of the risk-adjusted mortality rates and included an experimental hospital choice. The intelligibility of five technical terms was tested: risk-adjusted, actual and expected death rate, reference range and national average. The percentages of correct answers for the five technical terms were in the range of 75.0-60.2%. Between 23.8% and 5.1% of the respondents were not able to answer the question about the technical term itself. The least comprehensible technical terms were "risk-adjusted death rate" and "reference range". The intelligibility of the 20 items that were used to test the comprehension of the risk-adjusted mortality was between 89.5% and 14.2%. The two items that proved to be least comprehensible were related to the technical terms "risk-adjusted death rate" and "reference range". For all five technical terms it was found that a better comprehension correlated significantly with better hospital choices. We found a better than average intelligibility for the technical terms "actual and expected death rate" and for "national average". The least understandable were "risk-adjusted death rate" and "reference range". Since the self

  14. 12 CFR 225.122 - Bank holding company ownership of mortgage companies.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Bank holding company ownership of mortgage companies. 225.122 Section 225.122 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y...

  15. Recent tobacco tax rate adjustment and its potential impact on tobacco control in China.

    PubMed

    Hu, Teh-Wei; Mao, Zhengzhong; Shi, Jian

    2010-02-01

    To compare the new tobacco tax structure effective from May 2009 with the tax structure before May 2009 and to analyse its potential impact. Published government statistics and estimated price elasticities of the demand for cigarettes are used to estimate the impact of the new tax rate adjustment on cigarette consumption and population health. The new adjustment increased the tax rate by 11.7% points at the producer price level. Converting this 11.7% point increase to the retail price level would mean an increase of 3.4% points in the retail price tax rate. Thus, China's new cigarette tax rate at the retail level would be 43.4% instead of the previous 40%. The primary motivation for the recent Chinese government tobacco tax adjustment is to raise additional government revenue. Because the additional ad valorem tax has not yet been transferred to smokers, there is no public health benefit. It is hoped that the Chinese government will pass along these taxes to the retail price level, which would result in between 640,000 and two million smokers quitting smoking and between 210,000 and 700,000 quitters avoiding smoking-related premature death.

  16. Adjusting Expected Mortality Rates Using Information From a Control Population: An Example Using Socioeconomic Status.

    PubMed

    Bower, Hannah; Andersson, Therese M-L; Crowther, Michael J; Dickman, Paul W; Lambe, Mats; Lambert, Paul C

    2018-04-01

    Expected or reference mortality rates are commonly used in the calculation of measures such as relative survival in population-based cancer survival studies and standardized mortality ratios. These expected rates are usually presented according to age, sex, and calendar year. In certain situations, stratification of expected rates by other factors is required to avoid potential bias if interest lies in quantifying measures according to such factors as, for example, socioeconomic status. If data are not available on a population level, information from a control population could be used to adjust expected rates. We have presented two approaches for adjusting expected mortality rates using information from a control population: a Poisson generalized linear model and a flexible parametric survival model. We used a control group from BCBaSe-a register-based, matched breast cancer cohort in Sweden with diagnoses between 1992 and 2012-to illustrate the two methods using socioeconomic status as a risk factor of interest. Results showed that Poisson and flexible parametric survival approaches estimate similar adjusted mortality rates according to socioeconomic status. Additional uncertainty involved in the methods to estimate stratified, expected mortality rates described in this study can be accounted for using a parametric bootstrap, but this might make little difference if using a large control population.

  17. 76 FR 590 - Adjustment or Determination of Compulsory License Rates for Making and Distributing Phonorecords

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-05

    ... LIBRARY OF CONGRESS Copyright Royalty Board [Docket No. 2011-3 CRB Phonorecords II] Adjustment or... Board, Library of Congress. ACTION: Notice announcing commencement of proceeding with request for... proceeding was captioned as ``DPRA'' (which stands for ``Digital Phonorecord Rate Adjustment''). Hereinafter...

  18. 12 CFR 652.15 - Interest rate risk management and requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Interest rate risk management and requirements... AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.15 Interest rate risk... (direction, controls, and supervision) to the interest rate risk management program and must be knowledgeable...

  19. 12 CFR 652.15 - Interest rate risk management and requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Interest rate risk management and requirements... AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.15 Interest rate risk... (direction, controls, and supervision) to the interest rate risk management program and must be knowledgeable...

  20. Adjustable flow rate controller for polymer solutions

    DOEpatents

    Jackson, Kenneth M.

    1981-01-01

    An adjustable device for controlling the flow rate of polymer solutions which results in only little shearing of the polymer molecules, said device comprising an inlet manifold, an outlet manifold, a plurality of tubes capable of providing communication between said inlet and outlet manifolds, said tubes each having an internal diameter that is smaller than that of the inlet manifold and large enough to insure that viscosity of the polymer solution passing through each said tube will not be reduced more than about 25 percent, and a valve associated with each tube, said valve being capable of opening or closing communication in that tube between the inlet and outlet manifolds, each said valve when fully open having a diameter that is substantially at least as great as that of the tube with which it is associated.

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