Everything Lenders Need to Know About the HOEPA Pre-purchase Counseling Requirements

Based on recent amendments to the Home Ownership and Equity Protection Act (HOEPA), borrowers of certain types of mortgages are now required to complete pre-loan housing counseling with a HUD-approved agency before closing the loan. As a nonprofit HUD-approved housing counseling agency, credit.org has compiled important information you need to know about the new regulations.

Overview of HOEPA Counseling Process

Stay informed and guide your borrowers successfully through the process.

Lender Resources

HOEPA Lender Guide – All the key compliance information you need to know condensed into a short outline for quick reading.

CFPB Compliance Guide – The official compliance guide from the Consumer Financial Protection Bureau on HOEPA.

Downloadable Reference Guides – Download and print these handy one-page reference guides for yourself and to hand out to your borrowers to quickly get their HOEPA counseling requirements fulfilled:

  • Borrower’s checklist to easily complete HOEPA requirements
  • HOEPA quick reference guide for lenders

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