Proyectos de ley › 89.ª Asamblea General
Relating to loans originated by mortgage bankers
Presentado por el comité Commerce del Senado
Temas:Business & economyInsurance
La misma legislación: SSB 1235
Dónde está ahora
- Hecho: Presentado1 de marzo de 2021
- Hecho: Subcomité1 de marzo de 2021
- Hecho: Comité del Senado4 de marzo de 2021
- Hecho: Lo aprueba el Senado22 de marzo de 202148–0
- Hecho: Comité de la Cámara31 de marzo de 2021
- Hecho: Lo aprueba la Cámara27 de abril de 2021
- Hecho: A gobernador(a)3 de junio de 2021
- Se detuvo: Vetado16 de junio de 2021
Vetado ¿Qué es el embudo (funnel)?
Qué contiene
Resumen con IA Mortgage bankers and financial institutions would no longer have to follow certain rules regarding extra fees if their loan charges stay below a specific limit. This change means these lenders would not be restricted by certain laws that limit additional fees or how they offer lower interest rates in exchange for a fee. (Todavía no está traducido al español.)1
Lea la explicación oficial (en inglés)
This bill relates to loans originated by mortgage bankers. The bill provides that if a lender that is a financial institution or a mortgage banker licensed or registered pursuant to Code chapter 535B makes a loan in which the points and fees the borrower is charged in connection with the loan do not exceed the amounts specified in C.F.R. §1026.43(e)(3), the loan shall not be subject to the provisions of Code section 535.8, subsection 4, paragraphs “a”, “b”, and “d” (providing for additional fees and the right to recover unlawful fees), or subsection (authorizing the lender to offer to make a loan on all of the same terms except at a lower interest rate in exchange for the payment of an interest reduction fee).
Texto completo del proyecto (en inglés) · Qué cambió antes de aprobarse2
House subcommittee
Named March 23, 2021. On March 29, 2021 it recommended passage. Vote Total: 3-0.
Three legislators hear a bill first and recommend what the committee should do; it’s the best time to weigh in. How to take part
Lo que cambia del Código de Iowa (Iowa Code)
Modifica§535.8
Cabildeo
4 a favor · 2 en contra · 8 indecisos · Quiénes →
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89th General Assembly