NavigationSphere.jpg

Home | Real Estate | Contract Negotiation | Company Set-Up | Import/Export | Profiles | Fees | Contact Us | Disclaimer

Real Estate

Perini-Hegarty & Associates, P.C.

CORPORATE | REAL ESTATE | PRIVACY

Tel: 617.217.2832 Fax: 914.931.2024

Client Focus. Global Vision.sm

Trade & Customs Law Firm of the Year in MA (ILO)

International/Cross Border Law Firm of the Year in MA (Acq5 Law Awards)

Best of Boston (U.S. Commerce Association)  

International/Cross Border Law Firm of the Year in MA

Trade & Customs Law Firm of the Year in MA (Corp Intl Magazine)

Perini-Hegarty & Associates, P.C. provides effective legal counsel to individuals, estates, and companies with a wide-variety of real estate transactions including, but not limited to conversion of multi-family homes into condominiums, residential and commercial leasing, buying or selling real estate; and §1031 Exchanges.    

We are fully knowledgeable and compliant with the new CFPB TRID regulations and partner with key lenders to provide closing services. 


 

We have compiled information and links for the "Know Before You Owe" TILA-RESPA Integrated Disclosure (“TRID”) rule issues, providing easy access to the CFPB’s amendments to that rule, transcripts of CFPB webinars providing guidance on the rule, and other CFPB publications that will facilitate implementation of the rule on this page. 

Please contact Stephanie Perini-Hegarty at sph@perinihegartypc.com or Emily Perini at elp@perinihegartypc.com with any questions. 


 

CFPB CONSUMER HOME LOAN TOOLKIT

http://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf



CFPB Publications

CFPB Readiness Guide

http://files.consumerfinance.gov/f/201409_cfpb_readiness-guide_mortgage-implementation.pdf

CFPB Compliance Guide

http://files.consumerfinance.gov/f/201508_cfpb_tila-respa-integrated-disclosure-rule.pdf

CFPB Forms Guide

http://files.consumerfinance.gov/f/201508_cfpb_tila-respa-integrated-disclosure-guide-to-the-loan-estimate-and-closing.pdf

CFPB Closing FactSheet

http://files.consumerfinance.gov/f/201506_cfpb_factsheet_will-the-new-mortgage-disclosures-delay-my-closing.pdf

CFPB: Example Timeline

http://files.consumerfinance.gov/f/201508_cfpb_tila-respa-integration-disclosure-timeline-example.pdf

CFPB Sample Forms

http://www.consumerfinance.gov/regulatory-implementation/tila-respa/?utm_source=newsletter&utm_medium=email&utm_term=08062015_a1&utm_campaign=regimp_kbyo#disclosures

Annotated Loan Estimate Forms

http://files.consumerfinance.gov/f/201312_cfpb_tila-respa_loan-estimate.pdf

Annotated Closing Disclosure Forms

http://files.consumerfinance.gov/f/201312_cfpb_tila-respa_annotated-closing-disclosure.pdf

Other Comments & Guidance


The Consumer Financial Protection Bureau (“CFPB”) implemented the new TILA-RESPA Integrated Disclosure (“TRID”) rule effective October 3, 2015.   

The Final Rule and related regulations are set forth below for ease of reference.

TRID Final Rule & Amendments

Entire Rule   http://files.consumerfinance.gov/f/201311_cfpb_final-rule_integrated-mortgage-disclosures.pdf  
o    Preamble  

http://files.consumerfinance.gov/f/201311_cfpb_final-rule-preamble_integrated-mortgage-disclosures.pdf

o    Regulatory Text  

http://files.consumerfinance.gov/f/201311_cfpb_final-rule-amendments-to-regulations_integrated-mortgage-disclosures.pdf

o   Official Interpretations  

http://files.consumerfinance.gov/f/201311_cfpb_final-rule-commentary_integrated-mortgage-disclosures.pdf

Federal Register Publication (78 Fed. Reg. 79730)  

https://www.federalregister.gov/articles/2013/12/31/2013-28210/integrated-mortgage-disclosures-under-the-real-estate-settlement-procedures-act-regulation-x-and-the

Regulation Z as amended and published on CFPB eRegulation web site  

http://www.consumerfinance.gov/eregulations/1026-1/2013-28210

January 20th Amendments to Final Rule - Federal Register Publication (80 Fed. Reg. 8767)  

https://www.federalregister.gov/articles/2015/02/19/2015-01321/amendments-to-the-2013-integrated-mortgage-disclosures-rule-under-the-real-estate-settlement

Guide for Real Estate Professionals

Provides a suite of web-based materials designed specifically for real estate professionals to understand TRID

http://www.consumerfinance.gov/know-before-you-owe/real-estate-professionals/?utm_source=newsletter&utm_medium=email&utm_term=08182015_a1&utm_campaign=kbyo_regimp

 

Summaries

Consumer Summary of Final Rule

http://files.consumerfinance.gov/f/201311_cfpb_tila-respa_what-it-means-for-consumers.pdf

Detailed Summary of Final Rule

http://files.consumerfinance.gov/f/201311_cfpb_tila-respa_detailed-summary.pdf

Executive Summary of Final Rule

http://files.consumerfinance.gov/f/201312_cfpb_tila-respa_executive-summary.pdf

CFPB Exam Procedures

RESPA Procedures – Updated to Include TRID

http://files.consumerfinance.gov/f/201503_cfpb_regulation-x-real-estate-settlement-procedures-act.pdf

TILA Procedures– Updated to Include TRID

http://files.consumerfinance.gov/f/201503_cfpb_truth-in-lending-act.pdf

CFPB Letter re: Know Before you Owe TRID Compliance (October 2, 2015) This describes the TRID Rule compliance during initial examinations.

http://www.consumerfinance.gov/newsroom/cfpb-sends-industry-letter-on-know-before-you-owe-mortgage-disclosure-rule-compliance/

© 2005-2017 Perini-Hegarty & Associates, P.C. All Rights Reserved.  This website may constitute attorney advertising. Prior results do not guarantee a similar outcome. Any correspondence with this website does not constitute a client/attorney relationship. Neither the content on this web site nor transmissions between you and Perini-Hegarty & Associates, P.C. through this website are intended to provide legal or other advice or to create an attorney-client relationship. Images or photography appearing on this website may not be actual attorneys or images associated with Perini-Hegarty & Associates.