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PaperclipPerfector  6mo ago (text post)   3624 thread views

Friday Fun Thread for January 30, 2026

Be advised: this thread is not for serious in-depth discussion of weighty topics (we have a link for that), this thread is not for anything Culture War related. This thread is for Fun. You got jokes? Share 'em. You got silly questions? Ask 'em.

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Technical detail: States are all over the place for required mortgage disclosures, but there is a federal disclosure requirement. The cost of credit (finance charge) must be disclosed on the LE (loan estimate) at application and again on the CD (closing disclosure) at closing.

This has been the standard since TRID replaced the GFE/TIL in (I think) 2015, but before then the finance charge has been a required component of lending disclosures since the TIL (Truth in Lending) Act of 1968.

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