et seq Sample Clauses: 3k Samples

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 11 contracts

Sources: Assignment and Assumption Agreement (RASC Series 2005 EMX4 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ahl1 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ahl3 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇~~a-746~~ ▇-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇A▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ~~Mar.~~ ▇ar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 7 contracts

Sources: Assignment and Assumption Agreement (RASC Series 2005-Ahl2 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qs16 Trust), Assignment and Assumption Agreement (RASC Series 2006-Emx1 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et ~~seq.~~ ▇▇q. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost ~~Home Loan~~ H▇▇▇ L▇▇▇ 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair ~~Lending~~ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇~~▇▇▇ ▇▇▇▇~~ ome Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et ~~seq~~se▇. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et ~~seq~~se▇. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to ~~Value~~ Val▇▇ ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 5 contracts

Sources: Assignment and Assumption Agreement (RASC Series 2006-Ks1 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ks10 Trust), Assignment and Assumption Agreement (RALI Series 2005-Q03 Trust)

et seq. Effective June 2▇, ~~2003~~ ▇003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for covered~~ Effect▇▇▇ f▇▇ ▇▇vered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et ~~seq~~s▇▇. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078 et seq.~~ 494.▇▇▇8 ▇▇ ▇▇q. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇~~Ga. Code High Cost Hom▇ ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. Effective ~~October 1~~▇▇to▇▇▇ ▇, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective ~~for loans~~ ▇▇r ▇▇▇▇▇ closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ~~October~~ O▇▇▇▇▇r 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ Janu▇▇▇ 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1-101~~ 16a-▇-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 4 contracts

Sources: Assignment and Assumption Agreement (RASC Series 2005-Ks12 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qs15 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qo5 Trust)

et seq. Effective ~~June 2~~J▇▇▇ ▇, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for~~ Eff▇▇▇iv▇ ▇▇▇ covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ~~et seq~~e▇ ▇▇▇. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078 et~~ 4▇▇.00▇▇ ▇▇ seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code High Cost ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇~~▇▇ Mar. 6, 2003) Ann~~nn. ss.ss. 7-6A-1 et seq. ~~Effective October~~ Effect▇▇▇ O▇▇▇▇▇r 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. ~~Effective for loans~~ Effect▇▇▇ f▇▇ ▇▇ans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 ~~Effective October~~ Effectiv▇ ▇▇▇ober 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ J▇▇▇▇▇y 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1~~▇▇▇-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 2 contracts

Sources: Assignment and Assumption Agreement (RAMP Series 2005-Rz4 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qa10 Trust)

et seq. Effective ~~June 2~~Jun▇ ▇, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for covered~~ Effec▇▇▇e ▇▇▇ ▇overed loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et ~~seq~~▇▇▇. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078 et seq~~494.▇▇78 ▇▇ ▇eq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇~~Ga. Code High Cost Ho▇▇ ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. ~~Effective October~~ Effectiv▇ ▇ct▇▇▇▇ 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. ~~Effective for loans~~ Effectiv▇ ▇or ▇▇▇▇s closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ~~October~~ ▇▇▇▇▇er 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ Jan▇▇▇▇ 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1~~16▇-~~101~~ ▇-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 2 contracts

Sources: Home Equity Loan Purchase Agreement (RFMSII Series 2005-Hsa1 Trust), Assignment and Assumption Agreement (RASC Series 2005-Ks8 Trust)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. ~~Covered Loan~~ Stat. Ann. Covered Lo▇▇ ss.ss. 5-3.5-101 et ~~seq~~se▇. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. ~~Covered Loan~~ 26-1151.01 et ~~seq~~s▇▇. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost Home~~ Hi▇▇ Co▇▇ ▇▇me Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, ~~2002 -~~ Georgia Fair ~~Lending~~ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇igh Cos▇ ▇om▇ ▇▇▇~~▇ ▇▇▇▇ ▇▇▇▇~~ n 2002 - Mar. 6, 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code ~~High Cost Home Loan 7, 2003 - current)~~ Ann. ss.ss. High Cost ▇▇me ▇▇▇▇ (Mar. 7, 2003 7-6A-1 et seq. - current) Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act~~ --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ~~High Loan to Value~~ ss.ss. High ▇▇▇n ▇▇ ▇alue Consumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; --------------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan High Cost Home Loan Act~~L▇▇▇ ▇▇▇, ~~Ky.~~ ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇an Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. High Rate High ▇▇▇ Mortgage 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 et High ▇▇▇▇ Home Loan seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. R▇▇. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et se▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home ▇▇▇▇ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.

Appears in 2 contracts

Sources: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004 - AP3), Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004 - AP3)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 494.0078 High Cost Home Loan ~~494.0078 et seq~~ET SEQ. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code ▇~~▇▇,~~ ▇▇. ▇▇▇▇ .▇▇~~▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ . High Cost Home Loan Mar. 6, 2003) ~~Ann. ss.ss.~~ 7-6A-1 ~~et seq~~ET SEQ. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------ Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan (Mar. 7, 2003 - current) ~~Ann. ss.ss.~~ 7-6A-1 ~~et seq~~ET SEQ. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 ~~et seq~~ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. Code ▇▇▇. High Cost Home Loan ▇▇.▇▇. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. ▇▇.▇▇. High Loan to Value ~~ss.ss.~~ Consumer 16a-1-101 ~~et seq~~ET SEQ. ~~Consumer~~ Loan (~~id.~~ ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (ID. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 ~~et seq~~ET SEQ. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------ STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, ▇▇.▇▇. High Rate High Fee ~~9-A, ss.ss.~~ Mortgage 8-101 ~~et seq. Mortgage~~ET SEQ.

Appears in 2 contracts

Sources: Grantor Trust Agreement (Bear Stearns Arm Trust, Mortgage-Backed Notes, Series 2005-2), Grantor Trust Agreement (Bear Stearns Arm Trust, Mortgage-Backed Notes, Series 2005-2)

et seq. Effective ~~June 2~~March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ~~Colo. Covered Loan Stat. Ann.~~ ss.ss. ~~5-3.5-101~~ 1 et seq. Effective ~~for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June~~ November 7, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act~~2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, ~~Conn. Gen.~~ Nev. ▇▇v. Stat. ss.ss. ~~▇▇a-746~~ Home Loan 598D.010 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ 2002, High Cost Home Loan ~~Protection Act, D.C. Code~~ N.J. Rev. Stat. ss.ss. ~~Covered Loan 26-1151.01~~ 46:10B-22 et ~~seq~~▇▇▇. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, ~~Fla.~~ N.M. Rev. Stat~~. Ann~~. ss.ss. High Cost ~~Home Loan 494.0078~~ H▇▇▇ ▇oan 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6~~, 2003) Ann. ss.ss. 7~~-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and ~~Equity Protection~~ Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan Act~~Loans, ~~Ky. Rev.~~ N.C. Gen. Stat. ss.ss. ~~360.100~~ 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgages▇▇.

Appears in 2 contracts

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac7), Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He10)

et seq. Effective ~~June 2~~March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, ~~Colo. Covered Loan Stat~~▇▇.▇▇. ~~Ann. ss.ss. 5-3.5-101~~ 1 et seq. Effective ~~for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June~~ November 7, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive~~ 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly ▇▇▇▇ No. 284, Nev. Rev. Stat. Home Loan ~~Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss.~~ ▇▇~~a-746~~ .▇▇. 598D.010 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia~~ 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan ~~Protection Act~~Act of 2002, ~~D.C. Code ss.ss~~N.J. Rev. Stat. ~~Covered~~ ▇▇.▇▇. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan 26Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-~~1151.01~~ Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, ~~Fla. Stat. Ann. ss.ss.~~ N.M. Rev. High Cost Home Loan ~~494.0078~~ Stat. ▇▇.▇▇. 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending~~ 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ▇▇▇, .▇▇. ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7~~24-~~6A-1~~ 1.1E et seq. Effective July 1, 2000; amended October 1, ~~2002 - March 6,~~ 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended~~ (~~Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current~~adding open-end lines of credit) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------------------------------------------------------------------------------------------

Appears in 2 contracts

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-34cb), Pooling and Servicing Agreement (Alternative Loan Trust 2005-34cb)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 282002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act~~---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇ ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ~~2003~~▇▇. Code ▇▇▇. High Cost Home Loan - current) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan ~~Act~~ of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 ~~et seq~~ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code ▇▇▇. High Cost Home Loan ▇▇.▇▇. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. High Loan to Value ~~ss.ss~~Consumer ▇▇.▇▇. 16a-1-101 ~~et seq~~ET SEQ. ~~Consumer~~ Loan (~~id.~~ ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became -------------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan (ID. ss. became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss.~~ 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ------------------------------------------------- --------------------------------

Appears in 2 contracts

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He3), Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He3)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ~~ss.ss.~~ ▇▇~~a-746~~ .▇▇. 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ~~ss.ss~~▇▇.▇▇. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, ~~2002 - Georgia Fair Lending~~ ▇▇▇, ▇ - ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ , ▇▇. Code High Cost Home Loan Mar. 6, 2003) ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. High Loan to Value ~~ss.ss~~▇▇.▇▇. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ~~ss.ss~~▇▇.▇▇. 8-101 et seq. Mortgage

Appears in 2 contracts

Sources: Assignment and Assumption Agreement (RAMP Series 2006-Efc1 Trust), Assignment and Assumption Agreement (RALI Series 2005-Qa12 Trust)

et seq. Effective ~~June 2~~March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, ~~Colo. Covered Loan Stat~~Ne▇. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Rev. Stat.ss.ss.Home Loan ~~Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq~~598D.010 ET SEQ. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ 2002, High Cost Home Loan ~~Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq~~N.J. Rev. Stat.ss.ss.46:10B-22 ET SEQ. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, ~~Fla. Stat. Ann. ss.ss.~~ N.M. Rev. Stat.ss.ss.High Cost Home Loan ~~494.0078 et seq~~58-21A-1 ET SEQ. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6~~, 2003) Ann. ss.ss. 7~~-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and ~~Equity Protection~~ Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan Act~~Loans, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9N.C. Gen. Stat.ss.ss.24-~~A, ss.ss. 8-101 et seq. Mortgage~~1.1E ET SEQ.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He7)

et seq. Effective ~~June 2~~March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time --------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Practices Act Mortgage Loan Mass. Gen. Laws ch. 183C, ~~Colo. Covered Loan Stat. Ann.~~ ss.ss. ~~5-3.5-101~~ 1 et seq. Effective ~~for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June~~ November 7, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act~~2004 --------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, ~~Conn. Gen.~~ Nev. Rev. Stat~~. ss.ss~~. ▇▇~~a-746~~ me Loan ss.ss. 598D.010 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia~~ 2003 --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan ~~Protection Act~~Act of 2002, ~~D.C. Code~~ N.J. Rev. Stat. ss.ss. ~~Covered~~ 46:10B- --------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan 26Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------- Name of Anti-~~1151.01~~ Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ --------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, ~~Fla. Stat. Ann. ss.ss.~~ N.M. Rev. High Cost Home Loan ~~494.0078~~ Stat. ss.ss. 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 --------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, ~~2003) Ann~~2003 --------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 724-~~6A-1~~ 1.1E et seq. Effective July 1, 2000; amended October 1, ~~2002 - March 6,~~ 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended~~ (~~Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current~~adding open-end lines of credit) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Cwalt Inc)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 ~~et seq~~▇▇ se▇. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan ~~Lending~~ High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. ~~Covered Loan~~ 26-1151.01 et ~~seq~~s▇▇. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. High C▇▇▇ Home Loan ss.ss. ~~High Cost Home Loan~~ 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. High Cost Home Loan - Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et ~~seq~~▇▇▇. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. ~~Code~~ High Cost Home Loan (Mar. 7, 2003 - ~~current)~~ Code Ann. ss.ss. 7-6A-1 et ~~seq~~▇▇▇. ▇▇▇▇▇nt) Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage----------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Nomura Asset Acceptance Corporation, Alternative Loan Trust, Series 2004-Ar2)

et seq. Effective June 2, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 ~~et seq~~e▇ ▇eq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Connecticut Connecticut Abusive Home Loan ~~Lending~~ High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ District of Columbia Home Loan Protection Act, D.C. Code Covered Loan ss.ss. ~~Covered Loan~~ 26-1151.01 et ~~seq~~se▇. Effective for loans closed on or after January 28, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Florida Fair Lending Act, Fla. Stat. Ann. ~~ss.ss.~~ High Cost Home ~~Loan~~ Lo▇▇ ss.ss. 494.0078 et seq. Effective October 2, 2002 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Georgia (~~Oct.~~ Oct 1, 2002 - ~~Georgia Fair Lending ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ Mar 6, 2003) Georgia Fair Lending Act, Ga. Code High Cost Home Loan Ann. ss.ss. 7-6A-1 et ~~seq~~s▇▇. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Georgia as amended (~~Mar.~~ Mar 7, 2003 - current) Georgia Fair Lending Act, Ga. Code High Cost Home Loan ~~7, 2003 - current)~~ Ann. ss.ss. 7-6A-1 et ~~seq~~s▇▇. Effective for loans closed on or after March 7, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ HOEPA Section 32 Home Ownership and Equity ~~Protection~~ High Cost Loan Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Kansas Consumer Credit Code, Kan. Stat. ~~Ann.~~ High Loan to Value Ann. ss.ss. 16a-1-101 ~~et seq~~e▇ ▇eq. Consumer Loan ~~(id. ss. 16a-3-207)~~ and; Sections 16a-1-301 and 16a-3-207 High APR Consumer Loan became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 -------------------------------------------------- ------------------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Maine Truth in Lending, Me. Rev. Stat. ~~tit.~~ High Rate High Fee Mortgage tit. 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time -------------------------------------------------- ------------------------------------- ---------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home ▇▇▇▇ 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time -------------------------------------------------- ------------------------------------- ---------------------------- Nevada Assembly Bill No. 284, Nev. R▇▇. Home Loan Stat. ss.ss. 598D.010 et seq. Effective October 1, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 -------------------------------------------------- ------------------------------------- ----------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Homestar Mortgage Acceptance Corp Asset Backed Pass-Through Certificates, Series 2004-5)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Mar. ▇, ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ▇▇. Code High Cost Home Loan 2003) ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. ~~Georgia Fair Lending Act~~7, ~~Ga.~~ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code High Cost Home Loan ~~7, 2003~~ - current) ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code ▇▇▇. ▇▇.▇▇. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. High Loan to Value ~~ss.ss~~▇▇.▇▇. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 -------------------------------- became effective April 14, 1999; High APR Consumer Loan Section 16a-3-308a became effective ~~July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY~~ July 1, 1999 --------------------------------------------------------------------------------------------------------------------- ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇ H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ~~ss.ss~~▇▇.▇▇. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Nc4)

et seq. Effective ~~June 2~~J▇▇▇ ▇, 2003 --------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ --------------------------- ------------------------------------- ---------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for~~ Eff▇▇▇iv▇ ▇▇▇ covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 --------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ --------------------------- ------------------------------------- ---------------------------- Connecticut Connecticut Abusive Home Loan ~~Lending~~ High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 --------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ --------------------------- ------------------------------------- ---------------------------- District of Columbia Home Loan Protection Act, D.C. Code Covered Loan ss.ss. ~~Covered Loan~~ 26-1151.01 et seq. ~~Effective for~~ Effecti▇▇ ▇▇r loans closed on or after January 28, 2003 --------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ --------------------------- ------------------------------------- ---------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ~~ss.ss.~~ High Cost Home Loan ss.s▇. 494.0078 et seq. Effective ~~October~~ ▇▇▇▇ber 2, 2002 --------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ --------------------------- ------------------------------------- ---------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇~~Ga. Code High Cost Ho▇▇ ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. ~~Effective October~~ Effect▇▇▇ O▇▇▇▇▇r 1, 2002 - March 6, 2003 --------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ --------------------------- ------------------------------------- ---------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. ~~Effective for loans~~ Effect▇▇▇ f▇▇ ▇▇ans closed on or after March 7, 2003 --------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ --------------------------- ------------------------------------- ---------------------------- HOEPA Section 32 Home Ownership and Equity ~~Protection~~ High Cost Loan Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------------- ------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW ---------------------------- ------------------------------------ ---------------------------- Illinois High Risk Home Loan Act, Ill. ~~Comp.~~ High Risk Home Loan Comp. Stat. tit. 815, ss.ss. 137/5 et seq. ~~Effective January~~ Effecti▇▇ ▇anuary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ~~---------------------------------------- --------------------------~~ ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Indiana Indiana Home Loan Practices Act, High Cost Home Loans Ind. Code Ann. ss.ss. 24-9-1-1 et seq. Eff▇▇▇iv▇ ▇▇▇uary 1, 2005; amended by 2005 HB 1179, effective July 1, 2005. ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann.~~ High Loan to Value Ann. ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. ~~16a-3-207) and;~~ Sections 16a-1-301 and 16a-3-207 16a-3-207) and; became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ~~---------------------------------------- --------------------------~~ ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ~~---------------------------------------- --------------------------~~ ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ~~---------------------------------------- --------------------------~~ ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Maine Truth in Lending, Me. Rev. Stat. ~~tit.~~ High Rate High Fee tit. 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage ▇▇▇▇▇tive September 29, 1995 and as amended from time to time ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.▇▇ ▇▇ seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Home Loan Stat. ss.ss. 598D.010 et seq. Effecti▇▇ ▇▇tober 1, 2003 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- New Mexico Home Loan Protection Act, N.M. High Cost Home Loan Rev. Stat. ss.ss. 58-21A-1 et seq. Effecti▇▇ ▇▇ of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ------------------------------------ ---------------------------- ---------------------------- ------------------------------------ ---------------------------- North Carolina Restrictions and Limitations on High Cost Home Loan High Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effecti▇▇ ▇uly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ------------------------------------ ---------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE DATE CATEGORY UNDER APPLICABLE ANTI-PREDATORY LENDING LAW

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2006-S12 Trust)

et seq. Effective ~~June 2~~November 7, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2004 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly ▇▇▇▇ No. 284, ~~Colo. Covered Loan~~ Nev. Rev. Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan ~~Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss.~~ ▇▇~~a-746 et seq~~.▇▇. 598D.010 ET SEQ. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ 2002, High Cost Home Loan ~~Protection Act, D.C. Code ss.ss~~N.J. Rev. Stat. ~~Covered Loan 26-1151.01 et seq~~▇▇.▇▇. 46:10B-22 ET SEQ. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, ~~Fla.~~ N.M. Rev. Stat~~. Ann. ss.ss~~. High Cost Home Loan ~~494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending~~ ▇▇▇, .▇▇. ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7~~58-~~6A-1 et seq~~21A-1 ET SEQ. Effective ~~October~~ as of January 1, ~~2002 - March~~ 2004; Revised as of February 26, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6~~, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code~~ -l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and ~~Equity Protection~~ Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan Act~~Loans, ~~Ky. Rev.~~ N.C. Gen. Stat. ~~ss.ss~~▇▇.▇▇. ~~360.100 et seq. Effective June~~ 24~~, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9~~-~~A, ss.ss. 8-101 et seq. Mortgage~~1.1E ET SEQ.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-Ac1)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. ▇▇▇. ▇▇.▇▇. Covered Loan ~~Stat. Ann. ss.ss.~~ 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ~~ss.ss.~~ ▇▇~~a-746~~ .▇▇. 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ~~ss.ss~~▇▇.▇▇. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 494.0078 High Cost Home Loan ~~494.0078~~ et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Mar. ▇, ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ▇▇. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. ~~Georgia Fair Lending Act~~7, ~~Ga.~~ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan ~~7, 2003~~ - current) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ N-2 --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. ▇▇.▇▇. High Loan to Value ~~ss.ss.~~ Consumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; ---------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. effective April 14, 1999; Section 16a-3-308a ss. 16a-3-308a) became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, ▇▇.▇▇. High Rate High Fee ~~9-A, ss.ss.~~ Mortgage 8-101 et seq~~. Mortgage~~.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2005 - AR1)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home ~~Loan~~ Lo▇▇ 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RAMP Series 2004-Rz3 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High ~~Cost Home~~ ▇▇st ▇▇▇▇ Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. ▇▇▇▇ ▇▇▇~~▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6,~~ h Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, ~~Ga. Code High~~ ▇▇. ▇▇▇▇ ▇▇▇h Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High ~~Loan to~~ Loa▇ ▇o Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Kentucky ~~2003 KY H.B. 287~~ ▇▇▇▇ ▇▇ ▇.▇. ▇▇▇ - ~~High Cost Home Loan High Cost Home Loan Act~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇t, Ky. ~~Rev.~~ ▇▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9 High Rate High Fee 9-Mortgage A, ss.ss. 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Co▇▇ ▇▇me Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective October 1, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey Rev. Stat. ss.ss. 46:10B 22 et seq. New Jersey Home Ownership Security Act of 2002, N.M. Effective for loans closed on or after November 27, 2003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Lo▇▇ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-29t1)

et seq. ~~Effective June~~ Effectiv▇ ▇▇▇e 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective~~ ▇▇▇ec▇▇▇▇ for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan ~~26-1151.01~~ 26-▇▇▇▇.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~. ▇, ~~2003~~▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. ~~Effective October~~ Eff▇▇▇iv▇ ▇▇▇ober 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. ~~Effective for~~ Eff▇▇▇iv▇ ▇▇▇ loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 ~~Effective~~ Effe▇▇▇▇▇ October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ ▇▇▇uary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. E▇▇▇ct▇▇▇ ▇or loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer ~~Loan~~ ▇▇▇▇ (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. ~~Effective June~~ Effecti▇▇ ▇▇ne 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective Nov▇▇▇▇▇ 7, 2004 ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effect▇▇▇ ▇ctober 1, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effec▇▇▇▇ as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2005-Qa6 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 ~~et seq~~e▇ ▇eq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost ~~Home Loan~~ ▇▇▇e ▇▇▇▇ 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia ~~Fair Lending~~ Fa▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ~~▇▇▇▇~~ Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et ~~seq~~s▇▇. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et ~~seq~~s▇▇. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and ~~226.34~~ 226.3▇ Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2006-S3 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 ~~et seq~~e▇ ▇eq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost ~~Home Loan~~ ▇▇▇e ▇▇▇▇ 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia ~~Fair Lending~~ Fai▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇~~ Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et ~~seq~~s▇▇. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et ~~seq~~s▇▇. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and ~~226.34~~ 226.3▇ Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to ~~Value~~ Va▇▇▇ ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2005-Qs17 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 282002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act~~---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇ ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ~~2003~~▇▇. Code ▇▇▇. High Cost Home Loan - current) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan ~~Act~~ of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 ~~et seq~~ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code ▇▇▇. High Cost Home Loan ▇▇.▇▇. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. High Loan to Value ~~ss.ss~~Consumer ▇▇.▇▇. 16a-1-101 ~~et seq~~ET SEQ. ~~Consumer~~ Loan (~~id.~~ ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became -------------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan (ID. ss. became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss.~~ 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 ~~et seq~~ET SEQ. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, High Rate High Fee ~~9-A, ss.ss~~Mortgage ▇▇.▇▇. 8-101 ~~et seq. Mortgage~~ET SEQ.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Prime Mortgage Trust, Mortgage Pass-Through Certificates, Series 2005-2)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. Effec▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective ▇▇ for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Hi▇▇ ▇▇▇, ▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. Effe▇▇▇ve ▇▇▇▇ber 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ~~Mar. 6, 2003~~- ▇▇▇▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for Effe▇▇▇ve ▇▇▇ loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 ~~Effective October~~ Effect▇▇▇ ▇ctober 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ ▇▇▇▇▇ry 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. ~~Consumer Loan~~ Consume▇ ▇▇▇n (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost ~~Home~~ Ho▇▇ ▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Loan ~~High Cost Home Loan Act, Ky. Rev.~~ Stat. ss.ss. 360.100 et seq. ~~Effective June~~ Effectiv▇ ▇▇▇e 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9 High Rate High Fee 9-Mortgage A, ss.ss. 8-101 et seq. ~~Mortgage~~Effective ▇▇▇▇▇mber 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effecti▇▇ ▇▇tober 1, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey Rev. Stat. ss.ss. 46:10B 22 et seq. High Cost Home Loa▇ Effective for loans closed on or after November 27, 2003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-25cb)

et seq. Effective ~~June 2~~March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time -------------------------------------------------------------------------------- Nevada Assembly ▇▇▇▇ No. 284, ~~Colo. Covered~~ Nev. Rev. Home Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇~~a-746~~ .▇▇. 598D.010 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia~~ 2003 -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership High Cost Home Loan ~~Protection Act~~Security Act of 2002, ~~D.C. Code ss.ss~~N.J. Rev. Stat. ~~Covered Loan 26-1151.01~~ ▇▇.▇▇. 46:10B-22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ -------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, ~~Fla. Stat. Ann. ss.ss.~~ N.M. High Cost Home Loan ~~494.0078~~ Rev. Stat. ▇▇.▇▇. 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 -------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6~~, 2003) Ann. ss.ss. 7~~-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ -------------------------------------------------------------------------------- Exhibit A-3 -------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti-Predatory Lending Law -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- North Carolina Restrictions and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - Limitations on High Cost Home Loan High Cost Home ~~Loan Act~~Loans, ~~Ky. Rev.~~ N.C. Gen. Stat. ~~ss.ss~~▇▇.▇▇. ~~360.100~~ 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage.

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2007-S9 Trust)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection~~Credit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, ~~Colo. Covered~~ 2000; amended effective January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, High Cost Home Loan ~~Stat.~~ S.C. Code Ann. ss.ss. 537-~~3.5~~23-~~101~~ 10 et seq. Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the~~ 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Servicer Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. W. Va. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost Home Loan 494.0078~~ 31-17-1 et seq. ▇▇an Effective ~~October 2~~June 5, 2002 ~~---------------------------- ----------------------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date ------------------------- ------------------ ------------------------------------------------- Anti-Predatory Lending Law -------------------------- ----------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ▇▇. ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Covered Loan - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act~~----------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, ~~Ga. Code High Cost~~ Covered Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. ~~360.100~~ 46:10B 22 et seq. Effective ~~June 24~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending~~- July 5, ~~Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~2004 -----------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-45t1)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 -------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq.~~ Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the Act took effect on June 7~~2004 -------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices~~ Broker and Servicer Act, ~~Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home~~ W. Mortgage Loan ~~Protection Act, D.C.~~ Act Va. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost Home Loan 494.0078~~ 31-17-1 et seq. L▇▇▇ Effective ~~October 2~~June 5, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- -------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable ------------------ ------------------------------ ---------- Law/Effective Date Anti-Predatory ------------------ -------------- Lending Law ----------- -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ - ▇▇▇~~▇ Mar. 6~~. ▇, ~~2003~~▇003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership ~~and Equity Protection High Cost~~ Security Covered Home Loan Act of ~~1994~~2002, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. ~~360.100~~ 46:10B 22 et seq. ~~Effective June 24~~Effectiv▇ November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending~~- July 5, ~~Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~2004 -------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-7cb)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Stat. Covered Loan ~~Stat~~▇▇▇. ~~Ann. ss.ss~~▇▇.▇▇. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ~~ss.ss.~~ ▇▇~~a-746~~ .▇▇. 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ District of Columbia Home Loan Protection Act, D.C. Code ~~ss.ss~~▇▇.▇▇. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code ▇▇▇~~, ▇▇~~. ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ High Cost Home Loan Mar. 6, 2003) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code ▇▇▇. High Cost Home Loan 7, 2003 - current) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan ~~Act~~ of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code ▇▇▇. ▇▇.▇▇. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. ▇▇.▇▇. High Loan to Value ~~ss.ss.~~ 16a-1-101 et seq. Consumer Loan (id. ss. ~~16a-3-207) and;~~ Sections 16a-1-301 and 16a-3-207 became 16a-3-207) and; effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, ~~ss.ss~~▇▇.▇▇. 8-101 et seq~~. Mortgage~~.

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2005-Qs7 Trust)

et seq. Effective ~~June~~ ▇▇▇▇ 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for~~ Ef▇▇▇ti▇▇ ▇▇r covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-~~1151.01~~ 11▇▇.▇▇ et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078~~ ▇94.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~. ▇, ~~2003~~▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. ~~Effective October~~ Effec▇▇▇e ▇▇▇▇▇er 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. ~~Effective for loans~~ Effec▇▇▇e ▇▇▇ ▇oans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 ~~Effective October~~ Effecti▇▇ ▇▇tober 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ ▇▇▇▇▇ry 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Eff▇▇▇iv▇ ▇▇▇ loans originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer ~~Loan~~ Lo▇▇ (i▇d. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective ~~June~~ ▇▇▇▇ 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2005-Qa8 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home ~~Loan~~ Loa▇ 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Cwalt Inc)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. lo▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed ▇ ▇losed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ~~ss.ss.~~ High Cost Home Loan ss.ss. 494.0078 et ▇▇ seq. Effective October 2▇, ~~2002 ---------------------------- ---------------------------------------- --------------------------~~ ▇▇02 -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective ~~October~~ Octob▇▇ 1, ~~2002~~ ▇▇▇▇ - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for ~~loans closed~~ l▇▇▇s ▇▇▇▇▇d on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity ~~Protection~~ High Cost Loan Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. ~~Effective~~ ▇ffective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, High Cost Home Ind. Code Ann. ss.ss. 24-9-1-1 et Loans seq. Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 -------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann.~~ High Loan to Value Ann. ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; -------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization -------------------------------------------------------------------------------- Category under Applicable Anti- State/Jurisdiction Name of Anti-Predatory Lending Predatory Law/Effective Date Lending Law -------------------------------------------------------------------------------- Sections 16a-1-301 and 16a-3-207 High APR Consumer became effective April 14, 1999; Loan (id. ss. Section 16a-3-308a became effective 16a-3-308a) July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High ~~Cost Home~~ C▇▇▇ ▇▇▇▇ ▇▇▇▇ Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. ~~tit.~~ High Rate High Fee tit. 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (Residential Accredit Loans Inc)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 -------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq.~~ Credit Code Subsection 10 (codified in various Mortgage sections of Title 14A) Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the~~ 2004 -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices and Servicer Act, ~~Conn. Gen. Stat~~W. Va. Loan Code Ann. ss.ss. ~~▇▇a-746~~ 31-17-1 et seq. Effective ~~October 1~~June 5, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 2002 -------------------------------------------------------------------------------- Standard & Poor's High Cost ~~Home~~ Loan ~~494.0078 et seq.~~ Categorization ----------------------------------------------- -------------------------------------------------------------------------------- Category under Applicable State/Jurisdiction Name of Anti-Predatory Anti-Predatory Lending Law/Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- --------------------------~~ Date Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. Covered Loan Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost~~ -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Security Act of ~~1994~~2002, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. ~~360.100~~ 46:10B 22 Effecti▇▇ et seq. ~~Effective June 24~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending~~- July 5, ~~Me. Rev. Stat. tit.~~ 2004 -------------------------------------------------------------------------------- Standard & Poor's High ~~Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~Cost Loan Categorization -----------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-17t1)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 -------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection~~Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective July 1, ~~Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq.~~ 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------- Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the~~ 2004 -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Servicer Act, ~~Conn. Gen. Stat. ss.ss.~~ W. Va. Code ▇▇~~a-746~~ ▇. Loan ▇▇.▇▇. 31-17-1 et seq. Effective ~~October 1~~June 5, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss.~~ 2002 -------------------------------------------------------------------------------- Standard & Poor's Covered Loan 26Categorization --------------------------------------------- -------------------------------------------------------------------------------- Category under Name of Anti-~~1151.01 et seq.~~ Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective ~~for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair~~ Date Predatory Lending ~~Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- --------------------------~~ Law -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code ▇~~▇▇,~~ ▇▇. ▇▇▇▇ .▇▇~~▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss~~. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost~~ -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan 7Security Act of 2002, ~~2003 - current) Ann~~N.J. Rev. Stat. ~~ss.ss~~▇▇.▇▇. ~~7-6A-1~~ 46:10B-22 et seq. Effective ~~for loans closed on or after March 7~~November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1- July 5, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage--------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2007-Oa3)

et seq. Effective June 2, 2003 --------------------------------- ------------------------------------ ---------------------------- ~~---------------------------------------- --------------------------~~ Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-~~101~~ 1▇▇ et ~~seq~~▇▇▇. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 --------------------------------- ------------------------------------ ---------------------------- ~~---------------------------------------- --------------------------~~ Connecticut Connecticut Abusive Home Loan ~~Lending~~ High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. 36a-746 et s▇▇~~a-746 et seq~~. Effective October 1, 2001 --------------------------------- ------------------------------------ ---------------------------- ~~---------------------------------------- --------------------------~~ District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. ~~Covered Loan~~ 26-1151.01 ~~et seq~~e▇ ▇▇▇. Effective for loans closed on or after January 28, 2003 --------------------------------- ------------------------------------ ---------------------------- ~~---------------------------------------- --------------------------~~ Florida Fair Lending Act, Fla. Stat. Ann. High Cost H▇▇▇ Loan ss.ss. ~~High Cost Home Loan~~ 494.0078 et ~~seq~~▇▇▇. Effective October 2, 2002 --------------------------------- ------------------------------------ ---------------------------- ~~---------------------------------------- --------------------------~~ Georgia Georgia Fair Lending Act, Ga. High Cost Home Loan (~~Oct.~~ Oct 1, 2002 - ~~Georgia Fair Lending ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ Mar 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------- ------------------------------------ ---------------------------- ~~---------------------------------------- --------------------------~~ Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. ~~Code~~ High Cost Home Loan (Mar 7, 2003 - current) Code Ann. ss.ss. 7-6A-1 ~~et seq~~▇▇ se▇. Effective for loans closed on or after March 7, 2003 --------------------------------- ------------------------------------ ---------------------------- ~~---------------------------------------- --------------------------~~ HOEPA Section 32 Home Ownership and Equity ~~Protection~~ High Cost Loan Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------------------- ------------------------------------ ---------------------------- ~~---------------------------------------- --------------------------~~ Illinois High Risk Home Loan Act, Ill. ~~Comp.~~ High Risk Home Loan Comp. Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage--------------------------------- ------------------------------------ ----------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Peoples Choice Home Loan Securities Trust Series 2004-2)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. ▇▇▇. ▇▇.▇▇. Covered Loan ~~Stat. Ann. ss.ss.~~ 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ~~ss.ss.~~ ▇▇~~a-746~~ .▇▇. 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ~~ss.ss~~▇▇.▇▇. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 494.0078 High Cost Home Loan ~~494.0078~~ et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code ▇~~▇▇,~~ ▇▇. ▇▇▇▇ .▇▇~~▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ . High Cost Home Loan Mar. 6, 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan (Mar. 7, 2003 - current) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code ▇▇▇. High Cost Home Loan ▇▇.▇▇. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. ▇▇.▇▇. High Loan to Value ~~ss.ss.~~ Consumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; ----------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan effective April 14, 1999; Section 16a-3-308a ~~became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ became effective July 1, 1999 --------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, ▇▇.▇▇. High Rate High Fee ~~9-A, ss.ss.~~ Mortgage 8-101 et seq~~. Mortgage~~.

Appears in 1 contract

Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Nc3)

et seq. Effective June 2, ~~2003 ---------------------------- ---------------------------------------- --------------------------~~ 20▇▇ -------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective ~~for covered~~ fo▇ ▇ov▇▇▇▇ loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan ~~Lending~~ High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- --------------------------~~ ▇▇▇1 -------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. ~~Covered Loan~~ 26-1151.01 et seq. Effective for ~~loans closed~~ lo▇▇▇ ▇losed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ~~ss.ss.~~ High Cost Home Loan ss.ss. 494.0078 et ▇▇ seq. -------------------------------------------------------------------------------- Category under Applicable Name of Anti-Predatory Lending Anti-Predatory State/Jurisdiction Law/Effective Date Lending Law -------------------------------------------------------------------------------- Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. High Cost Home Loan - Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective ~~October~~ Octob▇▇ 1, ~~2002~~ ▇▇▇▇ - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. ~~Code~~ High Cost Home Loan (Mar. 7, 2003 - ~~current)~~ Code Ann. ss.ss. 7-6A-1 et seq. ~~Effective for loans~~ current) Effecti▇▇ fo▇ ▇▇▇ns closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity ~~Protection~~ High Cost Loan Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. ~~Comp.~~ High Risk Home Loan Comp. Stat. tit. 815, ss.ss. 137/5 et seq. ~~Effective~~ ▇▇▇ective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann.~~ High Loan to Value Ann. ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; High APR Consumer Section 16a-3-308a became ~~effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer~~ Loan (id. ss. ~~16a-3~~16a- effective July 1, 1999 3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. ~~Effective~~ ▇ffective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. ~~tit.~~ High Rate High Fee tit. 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage ▇▇▇▇▇tive September 29, 1995 and as amended from time to time --------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2006-13arx)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost~~ ▇▇gh ▇▇▇▇ Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending~~ Georgi▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇~~▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ gh Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et ~~seq~~se▇. Effective October 1, 2002 - March 6, 6 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et ~~seq~~se▇. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High ~~Loan~~ Lo▇▇ to Value Consumer ss.ss. 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- High APR Consumer Loan (id. ss. -- 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- --------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee 9-Mortgage A, ss.ss. 8-101 et seq~~. Mortgage~~.

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2006-Ks7 Trust)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. ~~Covered Loan~~ Stat. Ann. Covered ▇▇an ss.ss. 5-3.5-101 et ~~seq~~▇▇▇. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ss.ss. 36a-746 et s▇▇~~a-746 et seq~~. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. ~~Covered Loan~~ 26-1151.01 ~~et seq~~e▇ ▇▇▇. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost~~ ▇▇gh ▇▇▇▇ Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, ~~2002 -~~ Georgia ~~Fair Lending~~ F▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ . ▇▇.▇▇. High ▇▇▇t ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇~~ Loan 2002 - Mar. 6, 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code ~~High Cost Home Loan 7, 2003 - current)~~ Ann. ss.ss. High C▇▇▇ H▇▇▇ ▇oan (Mar. 7, 2003 7-6A-1 et seq. - current) Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost H▇▇▇ Loan ss.ss. 24-9-1-1 et ▇▇▇. Effective for loans originated on or after January 1, 2005. --------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ~~High Loan to Value~~ ss.ss. Hig▇ Loa▇ ▇▇ Value Consumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; --------------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3~~--------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-~~308a) ---------------------------- ---------------------------------------- --------------------------~~ Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost ~~Home~~ Hom▇ ▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ss.ss. 360.100 et ~~seq~~s▇▇. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. High Rate H▇▇▇ ▇ee Mortgage 8-101 et seq~~. Mortgage~~.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He10)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Colorado~~ ------------------------------------------------------------------------------------ Consumer Equity Protection, Colo. ~~Covered Loan~~ Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for~~ Ef▇▇▇ti▇▇ ▇▇r Colorado covered loans offered or entered into on or after ~~January~~ Jan. 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- -------------------------- Connecticut~~ ------------------------------------------------------------------------------------ Connecticut Abusive Home Loan Lending ~~High Cost Home Loan~~ Connecticut Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective ~~October~~ ▇▇▇. 1, 2001 ~~---------------------------- ---------------------------------------- -------------------------- District of Columbia~~ ------------------------------------------------------------------------------------ Home Loan Protection Act, D.C. Code District of Columbia ss.ss. ~~Covered Loan~~ 26-1151.01 et seq. ~~Effective for~~ Effect▇▇▇ ▇or loans closed on or after ~~January~~ Jan. 28, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida~~ ------------------------------------------------------------------------------------ Fair Lending Act, Fla. Stat. Ann. Florida ss.ss. ~~High Cost Home Loan~~ 494.0078 et seq. ~~Effective October~~ Effectiv▇ ▇▇▇. 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------ Georgia Fair Lending Act, Ga. Code Ann. Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Marc▇ ▇, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann.~~ ss.ss. 7-6A-1 et seq. Effective ~~October~~ ▇▇▇. 1, ~~2002 -~~ 2003) 2002-March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar.~~ ------------------------------------------------------------------------------------ Georgia Fair Lending Act, Ga. Code ~~High Cost Home Loan 7, 2003 - current)~~ Ann. Georgia as amended ss.ss. 7-6A-1 et seq. Effective ~~for loans~~ ▇▇▇ ▇oans (March 7, 2003 - current) closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32~~ ------------------------------------------------------------------------------------ Home Ownership and Equity Protection ~~High Cost Loan~~ Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. HOEPA Section 32 ss.ss. 226.32 and ~~226.34 Effective October~~ 226.34. Effect▇▇▇ ▇ct. 1, 1995, amendments ~~October~~ Oct. 1, 2002 ~~---------------------------- ---------------------------------------- -------------------------- Illinois~~ ------------------------------------------------------------------------------------ High Risk Home Loan Act, Ill. Comp. ~~High Risk Home Loan~~ Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ I▇▇▇▇▇is Jan. 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- -------------------------- Kansas~~ ------------------------------------------------------------------------------------ Consumer Credit Code, Kan. Stat. Ann. ~~High Loan to Value~~ ss.ss. 16a-1-101 et seq. ~~Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1~~Section▇ ▇▇▇-1-301 Kansas and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky ------------------------------------------------------------------------------------ 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan~~ Kentucky Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Maine~~ ------------------------------------------------------------------------------------ Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Effective M▇▇▇▇ Sept. 29, 1995, and as amended from time to time ------------------------------------------------------------------------------------ Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 Massachusetts et seq. and 209 ------------------------------------------------------------------------------------ O-1

Appears in 1 contract

Sources: Pooling and Servicing Agreement (BellaVista Funding CORP)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. ▇▇▇. ▇▇.▇▇. Covered Loan ~~Stat. Ann. ss.ss.~~ 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ~~ss.ss.~~ ▇▇~~a-746~~ .▇▇. 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ~~ss.ss~~▇▇.▇▇. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 494.0078 High Cost Home Loan ~~494.0078~~ et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Mar. ▇, ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ▇▇. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. ~~Georgia Fair Lending Act~~7, ~~Ga.~~ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan ~~7, 2003~~ - current) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage----------------------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004-Ar4)

et seq. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective ~~June 2~~Date Anti-Predatory Lending Law -------------------------------------- ----------------------------------------------- ------------------------------- Effective March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time -------------------------------------- ----------------------------------------------- ------------------------------- Nevada Assembly Bill No. 284, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Nev. Rev. Stat. ss.ss. Home Loan 598D.010 e▇ ▇▇~~a-746 et seq~~▇. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 -------------------------------------- ----------------------------------------------- ------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ High Cost Home Loan ~~Protection Act~~2002, ~~D.C. Code~~ N.J. Rev. Stat. ss.ss. ~~Covered Loan 26-1151.01~~ 46:10B-22 et seq. ~~Effective~~ Effec▇▇▇▇ for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ -------------------------------------- ----------------------------------------------- ------------------------------- New Mexico Home Loan Protection Act, ~~Fla.~~ N.M. Rev. Stat~~. Ann~~. ss.ss. High Cost Home Loan ~~494.0078~~ 58-▇▇▇-▇ et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 -------------------------------------- ----------------------------------------------- ------------------------------- New York N.Y. Banking Law Article 6~~, 2003) Ann. ss.ss. 7~~-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ -------------------------------------- ----------------------------------------------- ------------------------------- North Carolina Restrictions and ~~Equity Protection~~ Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost~~ Home ~~Loan Act~~Loans, ~~Ky. Rev.~~ N.C. Gen. Stat. ss.ss. ~~360.100~~ 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I LLC)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High ~~Cost Home~~ ▇▇st ▇▇▇▇ Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. ▇▇▇▇ ▇▇▇~~▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6,~~ h Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, ~~Ga. Code High~~ ▇▇. ▇▇▇▇ ▇▇▇h Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High ~~Loan to~~ Loa▇ ▇o Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Kentucky ~~2003 KY H.B. 287~~ ▇▇▇▇ ▇▇ ▇.▇. ▇▇▇ - ~~High Cost Home Loan High Cost Home Loan Act~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇t, Ky. ~~Rev.~~ ▇▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9 High Rate High Fee 9-Mortgage A, ss.ss. 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Co▇▇ ▇▇me Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective October 1, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Lo▇▇ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2006-J4)

et seq. Effective ~~June~~ ▇▇▇▇ 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for~~ Ef▇▇▇ti▇▇ ▇▇r covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 ~~et seq.~~ ▇▇ ▇▇q. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078~~ 49▇.▇▇▇8 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code High Cost ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇~~▇▇▇ Mar. 6, 2003~~) Ann. ss.ss. 7-6A-1 et seq. ~~Effective October~~ Effec▇▇▇e ▇▇▇▇▇er 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. ~~Effective for loans~~ Effec▇▇▇e ▇▇▇ ▇oans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 ~~Effective October~~ Effecti▇▇ ▇▇tober 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ ▇▇▇▇▇ry 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1~~▇▇a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective ~~June~~ ▇▇▇▇ 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2006-Qs4 Trust)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Stat. Covered Loan ~~Stat~~▇▇▇. ~~Ann. ss.ss~~▇▇.▇▇. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ~~ss.ss.~~ ▇▇~~a-746~~ .▇▇. 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ District of Columbia Home Loan Protection Act, D.C. Code ~~ss.ss~~▇▇.▇▇. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code ▇▇▇~~, ▇▇~~. ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ High Cost Home Loan Mar. 6, 2003) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code ▇▇▇. High Cost Home Loan 7, 2003 - current) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan ~~Act~~ of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code ▇▇▇. ▇▇.▇▇. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. ▇▇.▇▇. High Loan to Value ~~ss.ss.~~ 16a-1-101 et seq. Consumer Loan (id. ss. ~~16a-3-207) and;~~ Sections 16a-1-301 and 16a-3-207 became 16a-3-207) and; effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, ~~ss.ss~~▇▇.▇▇. 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R. ▇▇.▇▇. 32.00 High Cost Home Loan et seq. and 209 C.M.R. ▇▇.▇▇. 40.01 et seq. Effective March 22, 2001 and amended from time to time ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ▇▇.▇▇. 1 et seq. Effective November 7, 2004 ------------------------------------------------------------------------------------------------ Nevada Assembly ▇▇▇▇ No. 284, Nev. Rev. Stat. Home Loan ▇▇.▇▇. 598D.010 et seq. Effective October 1, 2003 ------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ▇▇.▇▇. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ▇▇.▇▇. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------ Ohio H.

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2005-Qs4 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-~~207) and~~207)and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; High APR Consumer Loan Section 16a-3-308a became effective ~~July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ~~----------------------------~~ July 1, 1999 --------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq.

Appears in 1 contract

Sources: Home Equity Loan Purchase Agreement (Home Equity Loan Trust 2004-Hs3)

et seq. Covered Lo▇▇ Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Colorado Consumer Equity Protection, Colo. ~~Covered Loan~~ Stat. Ann. ss.ss. Covered Loa▇ 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices Act, High Cost Home Loan ~~Practices Act,~~ Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. ~~Covered Loan~~ 26-1151.01 et seq. Covered ▇▇▇▇ Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost Home Loan~~ 494.0078 et seq. ▇▇▇h ▇▇▇▇ Home Loan Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et seq. High C▇▇▇ H▇▇▇ ▇oan Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Georgia as amended (Mar. 7, 2003 - Georgia Fair Lending Act, Ga. Code ~~High Cost Home Loan 7, 2003 - current)~~ Ann. ss.ss. 7-6A-1 et seq. High C▇▇▇ H▇▇▇ ▇oan current) Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- HOEPA Section 32 Home Ownership and Equity Protection ~~High Cost Loan~~ Act of 1994, 15 High Cost Loan U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. ~~High Risk Home Loan~~ Stat. tit. 815, ss.ss. High Risk Home Loan 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. ss.ss. High Cost Home ▇▇an 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------- ---------------------------------------------------------- --------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ~~High Loan to Value~~ ss.ss. 16a-1-101 et High ▇▇an ▇▇ ▇alue Consumer L seq. ~~Consumer Loan~~ (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan~~ Act, Ky. ~~Rev.~~ ▇▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------- ---------------------------------------------------------- --------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. 8-101 et High Rate High ▇▇▇ Mortgage seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time --------------------------------------- ---------------------------------------------------------- --------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 et seq. and 209 Hig▇ ▇▇▇t Home Loan C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time --------------------------------------- ---------------------------------------------------------- --------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------------------------- ---------------------------------------------------------- --------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.s▇. ▇98D.010 et Home Loan seq. Effective October 1, 2003 --------------------------------------- ---------------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. High Cost Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------- ---------------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. 58-21A-1 et High Cost Hom▇ ▇▇▇n seq.

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2005-Ks2 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Q-1 ---------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Mar. ▇, ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ▇▇. Code High Cost Home Loan 2003) ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. ~~Georgia Fair Lending Act~~7, ~~Ga.~~ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code High Cost Home Loan ~~7, 2003~~ - current) ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. High Loan to Value ~~ss.ss~~Consumer ▇▇.▇▇. 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. effective April 14, 1999; Section ss. 16a-3-308a) 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~----------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2006-3)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. f▇▇ ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans ans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ~~ss.ss.~~ High Cost Home Loan ~~494.0078~~ ss.ss. ▇▇4.0078 et seq. Effective ~~October~~ Oct▇▇▇▇ 2, 2002 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- EXHIBIT B-2 ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code High Cost Home ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ ▇▇▇▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. Effective ~~October 1~~▇▇▇ob▇▇ ▇, 2002 - March 6, 6 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective ~~for loans~~ ▇▇▇ l▇▇▇▇ closed on or after March 7, 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ~~October~~ Oc▇▇▇▇▇ 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January 1~~Janua▇▇ ▇, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1~~16a-▇-~~101~~ ▇01 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 --------------------------- became effective April 14, 1999; High APR Consumer Loan Section 16a-3-308a became effective ~~July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) July 1, 1999 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- --------------------------- EXHIBIT B-3

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2006-Emx9 Trust)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 ----------------------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection~~Credit Code Subsection 10 Mortgage (codified in various sections of Title 14A) Effective July 1, ~~Colo. Covered~~ 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and High Cost Home Loan ~~Stat.~~ Consumer Home Loans Act, S.C. Code Ann. ~~ss.ss~~▇s.▇▇. 5▇7-~~3.5~~23-~~101~~ 10 et seq. Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the~~ 2004 ----------------------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and Mortgage Loan Act ~~took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home~~ Loan ~~Lending High Cost Home Loan Practices~~ Servicer Act, ~~Conn. Gen. Stat. ss.ss~~W. Va. Code Ann. ▇s.▇~~a-746~~ ▇. ▇1-17-1 et seq. Effective ~~October~~ June 5, 2002 ----------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------- Georgia (Oct 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act~~2002 - Mar 6, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida 2003) Georgia Fair Lending Act, ~~Fla. Stat.~~ Ga. Covered Loan Code Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇~~▇▇,~~ s.▇▇. ▇~~▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7-6A-1~~ -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost~~ ----------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan 7Security Act of 2002, ~~2003 - current) Ann~~N.J. Rev. Stat. ~~ss.ss~~ss.▇▇. ~~7-6A-1~~ 46:10B-22 et seq. Effective ~~for loans closed on or after March 7~~November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1- July 5, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage----------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION

Appears in 1 contract

Sources: Home Loan Purchase Agreement (Rfmsii 2004-Hi3)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 Oklahoma Consumer ~~Equity Protection~~Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, ~~Colo. Covered~~ 2000; amended effective January 1, 2004 South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan ~~Stat~~Loans Act, S.C. Code ▇▇▇. ~~Ann. ss.ss. 5~~Sections 37-~~3.5~~23-~~101~~ 10 et seq. Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇ Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code ▇▇▇. Act Loan Sections 31-17-1 et seq. Effective June 5, 2002 STANDARD & POOR'S COVERED COST LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ------------------ ------------------------------------------ ---------------------------- Georgia (Oct. 1, ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. Covered Loan - Mar. 6, 2003) ~~Ann. ss.ss.~~ Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost~~ ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ Home Ownership Security Act of Covered Home Loan 72002, N.J. Rev. Stat. Sections 46:10B-22 et seq. Effective November 27, 2003 - ~~current~~July 5, 2004 STANDARD & POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ------------------ ------------------------------------------ ---------------------------- Georgia (Oct. 1, ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. Home Loan - Mar. 6, 2003) ~~Ann. ss.ss.~~ Sections 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act~~- March 6, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage▇▇▇▇

Appears in 1 contract

Sources: Mortgage Loan Purchase Agreement (Merrill Lynch Investors Trust, Series 2006-A2)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann. ss.ss.~~ Ann.ss.ss.494.0078 High Cost Home Loan ~~494.0078 et seq~~ET SEQ. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ▇▇Ga. Code Ann.ss.ss. ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Cost Home Loan Mar. 6, 2003) ~~Ann. ss.ss.~~ 7-6A-1 ~~et seq~~ET SEQ. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code ~~High~~ Ann.ss.ss. ▇▇▇▇ Cost Home Loan (Mar. 7, 2003 - current) ~~Ann. ss.ss.~~ 7-6A-1 ~~et seq~~ET SEQ. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 ~~U.S.C. ss. 1639~~U.S.C.ss.1639, 12 ~~C.F.R. ss.ss. 226.32~~ C.F.R.ss.ss.226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit. 815, ss.ss. 137/5 et seq~~815,ss.ss.137/5 ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~Ann.ss.ss. ~~High~~ ▇▇▇h Loan to Value ~~ss.ss.~~ Consumer 16a-1-101 ~~et seq~~ET SEQ. ~~Consumer~~ Loan (~~id. ss. 16a-3~~ID.ss.16a-3-207) and; ------------------------------ Sections 16a-1-301 and 16a-3-207 became effective High APR Consumer Loan April 14, 1999; Section 16a-3-308a became effective ~~July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (~~id. ss~~ID.ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ July 1, 1999 --------------------------------------------------------------------------------------------------------------------- Kentucky ~~2003 KY H.B. 287~~ ▇▇▇▇ ▇▇ ▇.▇. ▇▇▇ - ~~High Cost~~ ▇▇▇▇ ▇ost Hom▇ ▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇t Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. ~~Stat. ss.ss. 360.100 et seq~~Stat.ss.ss.360.100 ET SEQ. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ,ss.ss. High R▇▇▇ ▇igh Fee Mortgage 8-101 ~~et seq. Mortgage~~ET SEQ.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Fr1)

et seq. Effective ~~June 2~~May 24, ~~2003 ----------------------------~~ 2002 ---------------------------------------- ~~-------------------------- Colorado~~ Consumer ~~Equity Protection~~Credit Code (codified in various sections of Title 14A) Effective July 1, ~~Colo. Covered Loan Stat~~2000; amended effective January 1, 2004 ---------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code ▇▇▇.▇▇.▇▇. ~~Ann. ss.ss. 5~~37-~~3.5~~23-~~101~~ 10 et seq. Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the Act took effect on June 7~~2004 ---------------------------------------- West Virginia Residential Mortgage Lender, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices~~ Broker and Servicer Act, ~~Conn. Gen. Stat. ss.ss.~~ W. Va. Code ▇▇~~a-746~~ ▇.ss.ss.31-17-1 et seq. Effective ~~October 1~~June 5, ~~2001 ----------------------------~~ 2002 ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Georgia Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Ga. Code ▇▇▇~~, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7~~.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~----------------------------~~ ---------------------------------------- ~~-------------------------- Georgia as amended (Mar.~~ New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------- Georgia Fair Lending Act, Ga. Code ~~High Cost Home Loan 7~~▇▇▇.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~- current) Ann. ss.ss. 7-6A-1~~ ---------------------------------------- New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after ~~March 7~~November 27, 2003 ~~----------------------------~~ ---------------------------------------- Home Loan Protection Act, N.M. Rev. Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------------- Restrictions and Limitations on High Cost Home Loans, N.C. Gen. ▇▇▇▇.▇▇.▇▇. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------- South Carolina High Cost and Consumer Home Loans Act, S.C. Code ▇▇▇.▇▇.▇▇. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan -------------------------- ~~HOEPA Section 32~~ Covered Loan -------------------------- Covered Loan -------------------------- High Cost Home ~~Ownership and Equity Protection~~ Loan -------------------------- . Covered Loan -------------------------- High Cost Home Loan -------------------------- High Cost Home Loan -------------------------- High Cost Home Loan -------------------------- High Cost Loan ~~Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ----------------------------------------~~ -------------------------- ~~Illinois~~ High Risk Home Loan ~~Act, Ill. Comp.~~ -------------------------- High ~~Risk~~ Cost Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ~~Kansas Consumer Credit Code, Kan. Stat. Ann.~~ High Loan to Value ~~ss.ss. 16a-1-101 et seq.~~ Consumer Loan (~~id. ss~~▇▇.▇▇. 16a-3-207) and; ~~Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ----------------------------------------~~ -------------------------- High APR Consumer Loan (~~id. ss. 16a-3~~id.ss.16a-3-308a) ~~---------------------------- ----------------------------------------~~ -------------------------- ~~Kentucky 2003 KY H.B. 287 -~~ High Cost Home Loan -------------------------- High Rate High Fee Mortgage -------------------------- High Cost Home Loan ~~Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ----------------------------------------~~ -------------------------- ~~Maine Truth in Lending, Me. Rev. Stat. tit.~~ High ~~Rate~~ Cost Home Mortgage Loan -------------------------- Home Loan -------------------------- High ~~Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~Cost Home Loan -------------------------- High Cost Home Loan -------------------------- High Cost Home Loan -------------------------- High Cost Home Loan -------------------------- Covered Loan -------------------------- Subsection 10 Mortgage -------------------------- High Cost Home Loan -------------------------- West Virginia Mortgage Loan Act Loan -------------------------- Covered Loan -------------------------- Covered Home Loan --------------------------- Home Loan -------------------------- Home Loan -------------------------- Home Loan -------------------------- Consumer Home Loan -------------------------- Consumer Home Loan

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2005-Ks5 Trust)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 Oklahoma Consumer ~~Equity Protection~~Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, ~~Colo. Covered~~ 2000; amended effective January 1, 2004 South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan ~~Stat~~Loans Act, S.C. Code ▇▇▇. ~~Ann. ss.ss. 5~~Sections 37-~~3.5~~23-~~101~~ 10 et seq. Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇ Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code ▇▇▇. Act Loan Sections 31-17-1 et seq. Effective June 5, 2002 STANDARD & POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------------------- --------------------------- Georgia (Oct. 1, ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. Covered Loan - Mar. 6, 2003) ~~Ann. ss.ss.~~ Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost~~ ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ Home Ownership Security Act of Covered Home Loan 72002, N.J. Rev. Stat. Sections 46:10B-22 et seq. Effective November 27, 2003 - ~~current~~July 5, 2004 STANDARD & POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------------------- --------------------------- Georgia (Oct. 1, ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. Home Loan - Mar. 6, 2003) ~~Ann. ss.ss.~~ Sections 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act~~- March 6, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage▇▇▇▇

Appears in 1 contract

Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Fre1)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer ~~Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq.~~ Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the Act took effect on June 7~~2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home~~ West Virginia Mortgage Loan ~~Lending High Cost Home Loan Practices~~ Broker and Servicer Act, ~~Conn. Gen. Stat. ss.ss.~~ W. Va. Code ▇▇~~a-746~~ ▇. Act Loan ▇▇.▇▇. 31-17-1 et seq. Effective ~~October 1~~June 5, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss.~~ 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan 26Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under State/Jurisdiction Name of Anti-~~1151.01 et seq.~~ Predatory Lending Applicable Anti- Law/Effective ~~for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair~~ Date Predatory Lending ~~Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- --------------------------~~ Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Mar. ▇, ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ▇▇. Code ▇▇▇. ▇▇.▇▇. Covered Loan 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act~~---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, ~~Ga. Code High Cost~~ Covered Home Loan ~~7, 2003 - current) Ann~~N.J. Rev. Stat. ~~ss.ss~~▇▇.▇▇. ~~7-6A-1~~ 46:10B-22 et seq. Effective ~~for loans closed on or after March 7~~November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1- July 5, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ------------------------------------------------- --------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-27cb)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, ~~Colo.~~ Covered Loan Colo. Stat. Ann. ~~ss.ss~~ss.▇▇. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan ~~Lending~~ High Cost Home Loan Lending Practices Act, Conn. Gen. Stat. ~~ss.ss~~ss.▇▇. ▇~~▇a-746~~ 6a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, Covered Loan D.C. Code ~~ss.ss~~ss.▇▇. ~~Covered Loan~~ 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann. ss.ss.~~ High Cost Home Loan ~~494.0078~~ Ann. ▇s.▇▇. ▇94.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------- Georgia (~~Oct.~~ Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. High Cost Home Loan Code Ann. ▇~~▇▇,~~ s.▇▇. ▇~~▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7-6A-1~~ -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------- Georgia as amended (~~Mar. Georgia Fair~~ Mar ▇, ▇▇▇▇ - ▇▇▇▇▇▇▇ ▇air Lending Act, Ga. ~~Code~~ High Cost Home Loan ~~7, 2003 -~~ current) Code Ann. ~~ss.ss~~▇s.▇▇. ~~7-6A-1~~ ▇-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity ~~Protection~~ High Cost Loan Protection Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~ss.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage2002

Appears in 1 contract

Sources: Home Loan Purchase Agreement (Rfmsii 2004-Hi3)

et seq. Effective June 2, ~~2003 ---------------------------- ---------------------------------------- --------------------------~~ ▇▇▇▇ ------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Stat. Covered Loan ~~Stat.~~ Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-~~1151.01 et~~ 1151.0▇ ▇▇ seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078~~ ▇▇▇.▇078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ▇▇Ga. Code Ann. ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ High Cost Home Loan Mar. 6, 2003) ~~Ann. ss.ss.~~ s▇.▇s. 7-6A-1 et seq. Effective October 1▇, ~~2002~~ ▇002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Ann. High Cost Home Loan 7, 2003 - current) ~~Ann. ss.ss.~~ s▇.▇s. 7-6A-1 et seq. Effective for ~~loans closed~~ loa▇▇ ▇▇osed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan ~~Act~~ of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ Janu▇▇▇ 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective ▇▇r ▇▇▇▇▇ originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ~~ss.ss. 16a-1-101~~ ▇▇▇-1-▇▇▇ et seq. Consumer Loan (id. ss. ~~16a-3-207) and;~~ Sections 16a-1-301 and 16a-3-207 became 16a-3-207) and; effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 242▇, ~~2003 ---------------------------- ---------------------------------------- --------------------------~~ ▇▇03 ------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Effective Septemb▇▇ ▇▇, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 High Cost Home Loan ▇▇ seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, ▇▇▇1 and amended from time to time ------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, ▇▇▇▇ ------------------------------------------------------------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective Octob▇▇ ▇, 2003 ------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------ Ohio H.

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2005-Qs5 Trust)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq.~~ Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the Act took effect on June 7~~2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices~~ Broker and Servicer Act, ~~Conn. Gen. Stat~~W. Loan Act Loan Va. Code Ann. ss.ss. ~~▇▇a-746~~ 31-17-1 et seq. Effective ~~October 1~~June 5, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss.~~ 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan 26Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-~~1151.01 et seq.~~ Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective ~~for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair~~ Date Predatory Lending ~~Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- --------------------------~~ Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership ~~and Equity Protection High Cost~~ Security Covered Home Loan Act of ~~1994~~2002, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. ~~360.100~~ 46:10B- 22 et seq. Effective ~~June 24~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending~~- July 5, ~~Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-47cb)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. ~~Covered Loan~~ Stat. Ann. ss.ss. Covered Lo▇▇ 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost Home~~ 494.0078 H▇▇▇ C▇▇▇ ▇ome Loan ~~494.0078~~ et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair ~~Lending~~ Le▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ . ▇▇.▇▇. ▇igh Cost ▇▇me ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇ Mar. 6,~~ 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. ~~Georgia Fair Lending Act, Ga. Code High Cost Home Loan~~ 7, 2003 Georgia Fair L▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇igh Cost ▇▇me ▇▇▇▇ - current) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ~~High Loan to Value~~ ss.ss. High Loa▇ to ▇▇▇▇e Consumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective ~~July~~ August 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan High Cost Home Loan Act~~Lo▇▇ ▇▇▇, ~~Ky.~~ ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. High Rate High ▇▇▇ ▇ortgage 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2006-S8 Trust)

et seq. Effective ~~June 2~~March ▇▇, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, ~~Colo. Covered Loan Stat. Ann.~~ ss.ss. ~~5-3.5-101~~ 1 et seq. Effective ~~for covered loans offered or entered into on or after January 1~~November ▇, ~~2003~~▇▇04 ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. ~~Other provisions of the Act took effect on June 7~~284, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen.~~ Nev. Rev. Stat. ss.ss. Home Loan 598D.010 et s▇▇~~a-746 et seq~~. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10I-B-22 et seq. Effective ▇▇▇ loans closed on or after November 27, 2003 ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. N.M. Rev. Stat~~. Ann~~. ss.ss. High Cost Home Loan ~~494.0078 et~~ 58-21A-▇ ▇▇ seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6~~, 2003) Ann. ss.ss. 7~~-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and ~~Equity Protection~~ Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan Act~~Loans, ~~Ky. Rev.~~ N.C. Gen. Stat. ss.ss. ~~360.100~~ 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Prime Mortgage Trust, Mortgage Pass-Through Certificates & Re-Remic Certificates, Series 2005-1)

et seq. Effective ~~June 2~~March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effe▇▇▇▇▇ October 1, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ~~Connecticut Connecticut Abusive~~ New Jersey New Jersey Home ~~Loan Lending~~ Ownership Security Act High Cost Home Loan ~~Practices Act~~of 2002, ~~Conn. Gen.~~ N.J. Rev. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 46:10B-22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ~~Florida Fair Lending~~ ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, ~~Fla. Stat. Ann. ss.ss.~~ N.M. Rev. High Cost Home Loan ~~494.0078~~ Stat. ss.ss. 58-21A-1 et seq. ~~Effective October 2~~E▇▇▇▇▇ive as of January 1, ~~2002~~ 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- ~~Georgia (Oct.~~ ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1~~, 2002 - Georgia Fair Lending ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6~~, 2003 ---------------------------- ---------------------------------------- -------------------------- ~~Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code~~ ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan 7Cost Home Loans, ~~2003 - current) Ann~~N.C. Gen. Stat. ss.ss. 724-~~6A-1~~ 1.1E et seq. Effective ~~for loans closed on or after March 7~~July 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective 2000; amended October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 2003 (~~prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001~~adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage--------------------------

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2006-Qs18 Trust)

et seq. Effective June 2▇, ~~2003~~ ▇▇03 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for covered~~ Effecti▇▇ fo▇ ▇▇▇ered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et ~~seq~~se▇. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078 et~~ 49▇.▇07▇ ▇▇ seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code High Cost Home ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ ▇▇▇▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. Effective ~~October 1~~O▇▇▇be▇ ▇, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective ~~for loans~~ ▇▇▇ l▇▇▇▇ closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, ~~1995~~▇▇▇5, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January 1~~Janua▇▇ ▇, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1~~16a-▇-~~101~~ ▇01 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24▇▇, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RAMP Series 2006-Rz1 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- ---------------------------- ---------------------------------------- --------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home ~~Loan~~ Loa▇ 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇A▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ~~Mar.~~ ▇ar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 6 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- ---------------------------- ---------------------------------------- --------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- ---------------------------- ---------------------------------------- --------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- ---------------------------- ---------------------------------------- --------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage;

Appears in 1 contract

Sources: Home Equity Loan Purchase Agreement (Home Equity Loan Trust 2006-Hsa5)

et seq. Effective ~~June 2~~November 7, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2004 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, ~~Colo. Covered Loan~~ Ne▇. Rev. Stat. ~~Ann.~~ Home Loan ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. 598D.010 ET ▇▇~~a-746 et seq~~▇. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ 2002, High Cost Home Loan ~~Protection Act, D.C. Code~~ N.J. Rev. Stat. ss.ss. ~~Covered Loan 26-1151.01 et seq~~46:10B-22 ET ▇▇▇. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, ~~Fla.~~ N.M. Rev. Stat~~. Ann. ss.ss~~. High Cost Home Loan ~~494.0078 et seq~~ss.ss. ~~Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending~~ 58-21A-1 ET ▇▇▇~~, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq~~. Effective ~~October~~ as of January 1, ~~2002 - March~~ 2004; Revised as of February 26, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6~~, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code~~ -l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and ~~Equity Protection~~ Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan Act~~Loans, ~~Ky. Rev.~~ N.C. Gen. Stat. ss.ss. ~~360.100 et seq. Effective June~~ 24~~, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9~~-~~A, ss.ss. 8-101 et seq. Mortgage~~1.1E ET S▇▇.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He1)

et seq. Effective June 2, ~~2003~~ ▇▇▇3 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for covered~~ Effecti▇▇ fo▇ ▇▇▇ered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et ~~seq~~se▇. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078 et~~ 49▇.▇07▇ ▇▇ seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code High Cost Home ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ ▇▇▇▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. Effective ~~October 1~~O▇▇▇be▇ ▇, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective ~~for loans closed~~ f▇▇ lo▇▇▇ ▇losed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ~~October~~ Oct▇▇▇▇ 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January 1~~Januar▇ ▇, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective ▇▇r ▇▇▇▇▇ originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1~~16a-▇-~~101~~ ▇01 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 High APR Consumer Loan became effective April 14, 1999; (id. ss. 16a-3-308a) Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage1999

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RAMP Series 2005-Rz1 Trust)

et seq. Effective June 2▇, ~~2003~~ ▇▇03 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for~~ Eff▇▇▇iv▇ ▇▇▇ covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et ~~seq~~s▇▇. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078 et~~ 4▇▇.00▇▇ ▇▇ seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇~~Ga. Code High Cost Hom▇ ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. Effective ~~October 1~~▇▇▇ob▇▇ ▇, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective ~~for loans~~ ▇▇r ▇▇▇▇▇ closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ~~October~~ ▇▇▇▇▇er 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ Janu▇▇▇ 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effectiv▇ ▇or ▇▇▇▇s originated on or after January 1, 2005. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1-101~~ 16a-▇-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24▇▇, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.0▇ ▇▇ seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, ▇▇▇4 ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective Oct▇▇▇▇ 1, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as ▇▇ ▇anuary 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2004-Ks11 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 282002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act~~---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇ ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ~~2003~~▇▇. Code ▇▇▇. High Cost Home Loan - current) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 ~~et seq~~ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code ▇▇▇. High Cost Home Loan ▇▇.▇▇. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. ▇▇.▇▇. High Loan to Value ~~ss.ss.~~ Consumer 16a-1-101 ~~et seq~~ET SEQ. ~~Consumer~~ Loan (~~id.~~ ID. ss. 16a-3-207) and; -------------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (ID. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 ~~et seq~~ET SEQ. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, ▇▇.▇▇. High Rate High Fee ~~9-A, ss.ss.~~ Mortgage 8-101 ~~et seq. Mortgage~~ET SEQ.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Arm Trust 2005-3)

et seq. Effective June 2, ~~2003~~ ▇▇▇3 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. ~~Effective for covered~~ Effectiv▇ ▇or ▇▇▇▇red loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078 et seq~~494.▇▇78 ▇▇ ▇eq. Standard & Poor's High Cost Loan Categorization ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti-Predatory Lending Law ---------------------------- ---------------------------------------- -------------------------- Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code High Cost Home ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇▇ . ▇~~▇▇▇ Mar. 6, 2003) Ann. ss.ss~~s.ss. 7-6A-1 et seq. Effective ~~October 1~~O▇▇▇be▇ ▇, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective ~~for loans closed~~ f▇▇ lo▇▇▇ ▇losed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ~~October~~ Oct▇▇▇▇ 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1▇, ~~2004~~ ▇004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1-101~~ 16a-1-▇▇1 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 -------------------------- became effective April 14, 1999; Section 16a-3-308a became effective High APR Consumer Loan July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24▇▇, ~~2003~~ ▇003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- --------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2006-5ar)

et seq. Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective ~~June 2~~Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------- ---------------------------------------- -------------------------- Effective March 22, 2001 and amended from time to time ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective Oct▇▇▇▇ 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ~~Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the~~ New Jersey New Jersey Home Ownership Security Act ~~took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending~~ High Cost Home Loan ~~Practices Act~~of 2002, ~~Conn. Gen.~~ N.J. Rev. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 46:10B-22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ---------------------------- ---------------------------------------- -------------------------- ~~Florida Fair Lending~~ New Mexico Home Loan Protection Act, ~~Fla. Stat. Ann. ss.ss.~~ N.M. Rev. High Cost Home Loan ~~494.0078~~ Stat. ss.ss. 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇▇. ▇▇~~as ▇▇ ▇▇~~▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October~~ nuary 1, ~~2002 - March~~ 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------- ---------------------------------------- -------------------------- ~~Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code~~ North Carolina Restrictions and Limitations on High High Cost Home Loan 7Cost Home Loans, ~~2003 - current) Ann~~N.C. Gen. Stat. ss.ss. 724-~~6A-1~~ 1.1E et seq. Effective ~~for loans closed on or after March 7~~July 1, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective 2000; amended October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 2003 (~~prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001~~adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage--------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2006-1ar)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 -------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection~~Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective July 1, ~~Colo. Covered~~ 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and High Cost Home Loan ~~Stat.~~ Consumer Home Loans Act, S.C. Code Ann. ~~ss.ss. 5~~§§ 37-~~3.5~~23-~~101~~ 10 et seq. Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the~~ 2004 -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Servicer Act, ~~Conn. Gen. Stat~~W. Va. Code Ann. ~~ss.ss. ▇▇a-746~~ §§ Loan 31-17-1 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2June 5, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. Covered Loan - Mar. 6, 2003) Code Ann. ~~ss.ss.~~ §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act~~-------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, ~~Ga. Code~~ N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home ~~Loan 7~~Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 ~~- current~~(adding open-end lines of credit) -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code Ann. ~~ss.ss. 7~~§§ 37-~~6A-1~~ 23-10 et seq. Effective for loans ~~closed~~ taken on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage-------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF NOTES Notes

Appears in 1 contract

Sources: Mortgage Loan Purchase Agreement (MortgageIT Trust 2004-1)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. ~~Covered Loan~~ Stat. Ann. ss.ss. Covered Loan 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High Cost ~~Home Loan 494.0078~~ ▇▇me ▇▇▇▇ et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. ▇▇▇, ▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ ▇▇▇▇ t Home ▇▇▇▇ n ▇▇▇▇ ▇~~▇▇▇ Mar. 6, 2003~~) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, ~~Ga. Code High~~ G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ Cost ~~Home Loan 7, 2003~~ Ho▇▇ Lo▇▇ - current) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to ~~Value ss.ss.~~ V▇▇▇e ▇▇▇▇▇mer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan~~ Act, Ky. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. High Rate High Fee Mort▇▇▇▇ 8-101 et seq~~. Mortgage~~.

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2005-Ks3 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 ~~et seq~~▇▇ se▇. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost ~~Home Loan~~ ▇▇me ▇▇▇▇ 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia ~~Fair Lending~~ Fa▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇~~ Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et ~~seq~~▇▇▇. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et ~~seq~~▇▇▇. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and ~~226.34~~ 226.▇▇ Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to ~~Value~~ V▇▇▇e ss.ss. 16a-1-101 et ~~seq~~se▇. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2005-Sa5 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 2003) ▇~~▇▇,~~ ▇▇. ▇▇▇▇ .▇▇~~▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6, 2003) Ann. ss.ss~~. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------ Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 ------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------------------------------------------------------------------------------------------------ Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code ▇▇▇. ▇▇.▇▇. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. High Loan to Value ~~ss.ss~~▇▇.▇▇. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; High APR Consumer Section 16a-3-308a became effective ~~July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer~~ Loan (id. ss. July 1, 1999 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee 9-A, ~~ss.ss~~▇▇.▇▇. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Opt1)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. f▇▇ ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans ans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ~~ss.ss.~~ High Cost Home Loan ~~494.0078~~ ss.ss. ▇▇4.0078 et seq. Effective ~~October~~ Oct▇▇▇▇ 2, 2002 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- EXHIBIT B-2 ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. Code High Cost Home ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ ▇▇▇▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. Effective ~~October 1~~▇▇▇ob▇▇ ▇, 2002 - March 6, 6 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective ~~for loans~~ ▇▇▇ l▇▇▇▇ closed on or after March 7, 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ~~October~~ Oc▇▇▇▇▇ 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January 1~~Janua▇▇ ▇, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1~~16a-▇-~~101~~ ▇01 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 --------------------------- became effective April 14, 1999; High APR Consumer Loan Section 16a-3-308a became effective ~~July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) July 1, 1999 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan~~ High Cost Home Loan Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- ~~--------------------------~~ --------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-9- A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- --------------------------- EXHIBIT B-3

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2006-Emx8 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 282002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act~~---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇ ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ~~2003~~▇▇. Code ▇▇▇. High Cost Home Loan - current) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seqET SEQ. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan ~~Act~~ of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 ~~et seq~~ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code ▇▇▇. High Cost Home Loan ▇▇.▇▇. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. High Loan to Value ~~ss.ss~~Consumer ▇▇.▇▇. 16a-1-101 ~~et seq~~ET SEQ. ~~Consumer~~ Loan (~~id.~~ ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became -------------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan (ID. ss. became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss.~~ 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 ~~et seq~~ET SEQ. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, High Rate High Fee ~~9-A, ss.ss~~Mortgage ▇▇.▇▇. 8-101 ~~et seq. Mortgage~~ET SEQ.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Opteum Mortgage Acceptance Corp Asset Backed Pass-Through Certificates, 2005-2)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et ~~seq.~~ ▇▇q. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. -- --- Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. -- --- Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High ~~Cost Home Loan~~ Cos▇ ▇om▇ ▇▇▇n 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair ~~Lending~~ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇~~▇▇ ▇▇▇▇ ▇▇▇▇~~ st Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et ~~seq~~se▇. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et ~~seq~~se▇. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to ~~Value~~ Val▇▇ ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2006-Qo4 Trust)

et seq. Effective ~~June 2~~March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, ~~Colo. Covered Loan Stat~~Nev. ▇▇▇. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ Home Loan 598D.010 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ 2002, High Cost Home Loan ~~Protection Act, D.C. Code~~ N.J. Rev. Stat. ss.ss. ~~Covered Loan 26-1151.01~~ 46:10B-22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, ~~Fla.~~ N.M. Rev. Stat~~. Ann~~. ss.ss. High Cost Home ~~Loan 494.0078~~ ▇▇▇▇ 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, ~~2003) Ann~~2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 724-~~6A-1~~ 1.1E et seq. Effective August 1, 2000; amended October 1, ~~2002 - March 6,~~ 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended~~ (~~Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current~~adding open-end lines of credit) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2006-S8 Trust)

et seq. Effective June 2, ~~2003 ---------------------------- ---------------------------------------- --------------------------~~ ▇▇▇▇ ------------------------------------------------------------------------------------------------ Colorado Consumer Equity Protection, Colo. Stat. Covered Loan ~~Stat.~~ Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-~~1151.01 et~~ 1151.0▇ ▇▇ seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078~~ ▇▇▇.▇078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ▇▇Ga. Code Ann. ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ High Cost Home Loan Mar. 6, 2003) ~~Ann. ss.ss.~~ s▇.▇s. 7-6A-1 et seq. Effective October 1▇, ~~2002~~ ▇002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Ann. High Cost Home Loan 7, 2003 - current) ~~Ann. ss.ss.~~ s▇.▇s. 7-6A-1 et seq. Effective for ~~loans closed~~ loa▇▇ ▇▇osed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan ~~Act~~ of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January~~ Janu▇▇▇ 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective ▇▇r ▇▇▇▇▇ originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ~~ss.ss. 16a-1-101~~ ▇▇▇-1-▇▇▇ et seq. Consumer Loan (id. ss. ~~16a-3-207) and;~~ Sections 16a-1-301 and 16a-3-207 became 16a-3-207) and; effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 242▇, ~~2003 ---------------------------- ---------------------------------------- --------------------------~~ ▇▇03 ------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Effective Septembe▇ ▇▇, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------ Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 High Cost Home Loan ▇▇ seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, ▇▇▇1 and amended from time to time ------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, ▇▇▇▇ ------------------------------------------------------------------------------------------------ Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effective Octob▇▇ ▇, 2003 ------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Act High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------ Ohio H.

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RALI Series 2005-Qs10 Trust)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. ~~Covered Loan~~ Stat. Ann. ss.ss. Covered Loan 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High ~~Cost Home Loan 494.0078~~ Cos▇ ▇om▇ ▇▇▇n et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇, ▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ ▇▇st Home ▇▇ ▇an ▇▇▇▇ ▇~~▇▇▇ ▇▇▇▇ Mar. 6, 2003~~) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, ~~Ga. Code High Cost~~ ▇▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ ▇▇st Home ~~Loan 7, 2003~~ ▇▇an - ~~current~~▇▇rrent) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 et seq. -- --- Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to ~~Value ss.ss.~~ ▇▇lu▇ ▇▇▇sumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id. ss. --- 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan~~ Act, Ky. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. High Rate High Fee Mor▇▇▇▇▇ 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. 32.00 et High Cost H▇▇▇ ▇oan seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.▇▇. Home Loan 598D.010 et seq. -- --- Effective October 1, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2004-Ks10 Trust)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. ▇▇▇. Covered Loan ~~Stat. Ann. ss.ss~~▇▇.▇▇. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ~~ss.ss.~~ ▇▇~~a-746~~ .▇▇. 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ~~ss.ss~~▇▇.▇▇. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Mar. ▇, ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ▇▇. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. ~~Georgia Fair Lending Act~~7, ~~Ga.~~ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan ~~7, 2003~~ - current) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. ▇▇.▇▇. High Loan to Value ~~ss.ss.~~ Consumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a -------------------------------- became effective July 1, 1999 ~~---------------------------- ---------------------------------------- --------------------------~~ High APR Consumer Loan (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, High Rate High Fee ~~9-A, ss.ss~~Mortgage ▇▇.▇▇. 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RAMP Series 2006-Rs4 Trust)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 ----------------------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection~~Credit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, ~~Colo. Covered~~ 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, High Cost Home Loan ~~Stat.~~ S.C. Code Ann. ss.ss. 537-~~3.5~~23-~~101~~ 10 et seq. Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the~~ 2004 ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Servicer Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. W. Va. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost Home Loan 494.0078~~ 31-17-1 et seq. ▇▇an Effective ~~October 2~~June 5, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending ~~▇▇▇~~Act, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇ ▇overed ▇▇▇▇ n ▇▇▇▇ ▇~~▇▇▇ Mar. 6, 2003~~) ~~Ann. ss.ss. 7-6A-1 et~~ seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act~~----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, ~~Ga. Code High Cost~~ N.J. Covered Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. ~~360.100~~ 46:10B-22 et seq. Effective ~~June 24~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending~~- July 5, ~~Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~2004 -----------------------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oa16)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans ▇ ▇oans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan ~~494.0078 et seq~~494.0▇▇▇ e▇ ▇▇▇. Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable ------------------ ---------- Anti-Predatory Lending ---------------------- Law --- ---------------------------- ---------------------------------------- -------------------------- Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇~~Ga. Code High Cost Hom▇ ▇▇▇▇ ▇▇▇▇ . ▇, ▇▇▇▇ ▇) ▇▇▇~~▇ Mar. 6, 2003) Ann~~. ss.ss. 7-6A-1 et seq. Effective ~~October 1~~▇▇to▇▇▇ ▇, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective ~~for loans~~ ▇▇r ▇▇▇▇▇ closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ~~October~~ O▇▇▇▇▇r 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ~~January 1~~Janua▇▇ ▇, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. ~~16a-1-101~~ 16a-▇-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 -------------------------- became effective April 14, 1999; Section 16a-3-308a became effective High APR Consumer Loan July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- --------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2006-7)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. Covered Loan ~~Stat.~~ Ann. ss.ss. 5-3.5-101 et ~~seq.~~ ▇▇q. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. ~~Covered~~ Co▇▇▇▇▇ Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High~~ 494.0078 ▇▇▇▇ Cost Home Loan ~~494.0078~~ et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Exhibit 1-1 STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair ~~Lending~~ Lendi▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ . ▇▇.▇▇. High ▇▇▇t ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇ Mar. 6,~~ Loan 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. ~~Georgia Fair Lending Act, Ga. Code High Cost Home Loan~~ 7, 2003 Georgia Fair Lend▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. High ▇▇▇t ▇▇▇▇ Loan - current) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ~~High Loan to Value~~ ss.ss. Hig▇ ▇oa▇ ▇▇ Value Consumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ---------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan~~ (id. ss. 16a-3-308a) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Kentucky ~~2003 KY H.B. 287~~ ▇▇▇▇ ▇▇ ▇.▇. ▇▇▇ - ~~High Cost Home Loan High Cost Home Loan Act~~▇▇▇▇ ▇▇▇▇ ▇▇me Loa▇ ▇▇▇, ~~Ky.~~ ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇oan Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. High Rate Hig▇ ▇▇▇ Mortgage 8-101 et seq. ~~Mortgage~~Effective September 29, 1995 and as amended from time to time --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RAMP Series 2007-Rs1 Trust)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer ~~Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq.~~ Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the Act took effect on June 7~~2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home~~ West Virginia Mortgage Loan ~~Lending High Cost Home Loan Practices~~ Broker and Servicer Act, ~~Conn. Gen. Stat. ss.ss~~W. Va. Code ▇▇▇. ▇▇~~a-746 et seq~~.▇▇. Act Loan 31-17-1 ET SEQ. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2June 5, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Mar. ▇, ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ▇▇. Code ▇▇▇. Covered Loan 2003) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 ~~et seq~~ET SEQ. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act~~---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, ~~Ga. Code High Cost~~ Covered Home Loan 7N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 ET SEQ. Effective November 27, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1July 5, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ---------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Prime Mortgage Trust, Mortgage Pass-Through Certificates, Series 2005-2)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. ~~Ann~~▇▇▇. ~~ss.ss~~▇▇.▇▇. High Cost Home Loan 494.0078 et ~~seq~~SEQ. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code ▇▇▇. ▇▇.▇▇. High Cost Home Loan Mar. 6, 2003) 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, ▇▇. ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ~~2003) Ann~~▇▇. ~~ss.ss~~Code ▇▇▇. ~~7-6A-1 et seq~~▇▇.▇▇. ~~Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code~~ High Cost Home Loan ~~7, 2003~~ - current) ~~Ann. ss.ss.~~ 7-6A-1 ~~et seq~~ET SEQ. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ~~ss.ss~~▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ~~ss.ss~~▇▇.▇▇. 137/5 ~~et seq~~ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code ▇▇▇. High Cost Home Loan ▇▇.▇▇. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. ~~Ann~~▇▇▇. ▇▇.▇▇. High Loan to Value ~~ss.ss.~~ Consumer 16a-1-101 ~~et seq~~ET SEQ. ~~Consumer~~ Loan (~~id.~~ ID. ss. 16a-3-207) and; --------------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (ID. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3~~------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-~~308a) ---------------------------- ---------------------------------------- --------------------------~~ PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ------------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. ~~287~~ ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ~~ss.ss~~▇▇.▇▇. 360.100 ~~et seq~~ET SEQ. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ------------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, ▇▇.▇▇. High Rate High Fee ~~9-A, ss.ss.~~ Mortgage 8-101 ~~et seq. Mortgage~~ET SEQ.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-He2)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 ~~et seq~~e▇ ▇eq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost ~~Home Loan~~ ▇▇▇e ▇▇▇▇ 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia ~~Fair Lending~~ Fa▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ~~▇▇▇▇~~ Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et ~~seq~~s▇▇. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et ~~seq~~s▇▇. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and ~~226.34~~ 226.3▇ Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. ~~Mortgage~~Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2006-S9 Trust)

et seq. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1March 22, 2001 ~~---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act~~and amended from time to time --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, ~~D.C. Code ss.ss~~Ne▇. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ▇▇▇, ▇▇Rev. Stat.ss.ss. ▇▇▇▇ ▇▇▇▇ ▇598D.010 ET SEQ. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat.ss.ss.46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat.ss.ss. H▇▇▇ ▇▇▇▇ ▇~~▇▇▇ Mar. 6, 2003) Ann. ss.ss. 7~~ome Loan 58-~~6A-1 et seq~~21A-1 ET SEQ. Effective ~~October~~ as of January 1, ~~2002 - March~~ 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6~~, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code~~ -l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and ~~Equity Protection~~ Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan Act~~Loans, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9N.C. Gen. Stat.ss.ss.24-~~A, ss.ss. 8-101 et seq. Mortgage~~1.1E ET SEQ.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Fr1)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer ~~Equity Protection~~Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, ~~Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq.~~ 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the Act took effect on June 7~~2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices~~ Broker and Servicer Act, ~~Conn. Gen. Stat~~W. Loan Act Loan Va. Code Ann. ss.ss. ~~▇▇a-746~~ 31-17-1 et seq. Effective ~~October 1~~June 5, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss.~~ 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan 26Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-~~1151.01 et seq.~~ Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective ~~for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair~~ Date Predatory Lending ~~Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- --------------------------~~ Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership ~~and Equity Protection High Cost~~ Security Covered Home Loan Act of ~~1994~~2002, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. ~~360.100~~ 46:10B- 22 et seq. Effective ~~June 24~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending~~- July 5, ~~Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-38)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer ~~Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq.~~ Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the Act took effect on June 7~~2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home~~ West Virginia Mortgage Loan ~~Lending High Cost Home Loan Practices~~ Broker and Servicer Act, ~~Conn. Gen. Stat. ss.ss~~W. Va. Code ▇▇▇. ▇▇~~a-746 et seq~~.▇▇. Act Loan 31-17-1 ET SEQ. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2June 5, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - ~~Georgia Fair Lending ▇▇~~Mar. ▇, ▇▇. ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇~~▇ Mar. 6~~, ▇▇. Code ▇▇▇. Covered Loan 2003) ~~Ann. ss.ss~~▇▇.▇▇. 7-6A-1 ~~et seq~~ET SEQ. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act~~---------------------------------- ------------------------------------------------- -------------------------------- P-25 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, ~~Ga. Code High Cost~~ Covered Home Loan 7N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 ET SEQ. Effective November 27, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1July 5, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ---------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Opteum Mortgage Acceptance Corp Asset Backed Pass-Through Certificates, 2005-2)

et seq. ~~Effective June 2~~▇ffective March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ~~Colo. Covered Loan Stat. Ann.~~ ss.ss. ~~5-3.5-101~~ 1 et seq. ~~Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June~~ ▇▇▇▇▇tive November 7, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act~~2004 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, ~~Conn. Gen.~~ Nev. Rev. Stat. ss.ss. ~~▇▇a-746~~ Home Loa▇ 598D.010 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ 2002, High Cost Home Loan ~~Protection Act, D.C. Code~~ N.J. Rev. Stat. ss.ss. ~~Covered Loan 26-1151.01~~ 46:10B-22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, ~~Fla.~~ N.M. Rev. Stat~~. Ann~~. ss.ss. High Cost Home Loan ~~494.0078~~ 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, ~~2003) Ann~~2003 ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 724-~~6A-1~~ 1.1E et seq. Effective July 1, 2000; amended October 1, ~~2002 - March 6,~~ 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended~~ (~~Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current~~adding open-end lines of credit) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ------------------------------------------------- --------------------------------

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RASC Series 2004-Ks12 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High~~ 494.0078 ▇▇gh Cost Home Loan ~~494.0078 et seq~~ET SEQ. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ----------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, ~~2002 -~~ Georgia ~~Fair Lending~~ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. H▇▇▇ ▇C▇▇▇ ▇~~▇▇▇ ▇▇▇▇~~ ome Loan 2002 - Mar. 6, 2003) ~~Ann. ss.ss.~~ 7-6A-1 ~~et seq~~ET SEQ. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code ~~High Cost Home~~ Ann. ss.ss. Hig▇ ▇ost ▇▇▇▇ Loan (Mar. 7, 2003 - current) ~~Ann. ss.ss.~~ 7-6A-1 ~~et seq~~ET SEQ. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 ~~et seq~~ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Co▇▇ Home Loan ss.ss. 24-9-1-1 ET SE▇. Effective for loans originated on or after January 1, 2005. ----------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 ~~et seq~~ET S▇▇. Consumer Loan (~~id.~~ ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan effective April 14, 1999; Section 16a-3-308a (ID. ss. 16a-3-308a) became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ----------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home ~~Loan High Cost~~ ▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ Home Loan ~~Act, Ky.~~ Rev. Stat. ss.ss. 360.100 ~~et seq~~ET SEQ. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ----------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, High Rate High ss.ss. 8-101 ~~et seq~~ET SEQ. ~~Mortgage~~Fee Mortgage Effective September 29, 1995 and as amended from time to time -----------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (MERRILL LYNCH MORT INV TRUST MLMI Series 2005-A2)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et ~~seq.~~ ▇▇q. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ~~▇▇a-746~~ 36a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost ~~Home Loan~~ H▇▇▇ L▇▇▇ 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia ~~Fair Lending~~ Fai▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ~~▇▇▇▇~~ Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et ~~seq~~se▇. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et ~~seq~~se▇. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to ~~Value~~ ▇alue ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 High APR Consumer Loan became effective April 14, 1999; (id. ss. 16a-3-308a) Section 16a-3-308a became effective July 1, 1999 ~~---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a)~~ ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2006-S4 Trust)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date ------------------------- ------------------ ------------------------------------------------- Anti-Predatory Lending Law -------------------------- ---------------------------------------------------------------------------------------------------------------------- January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High ~~Cost Home Loan~~ C▇▇▇ H▇▇▇ ▇oan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending ~~▇▇▇~~Act, ~~▇▇.~~ Ga. ▇▇▇▇ ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar. 6,~~ Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, ~~Ga. Code High~~ G▇. ▇▇▇▇ ▇▇▇▇ Cost Home Loan ~~7, 2003~~ - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to ▇▇ Value Consumer ss.ss. 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; -------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. effective April 14, 1999; Section 16a-3-308a ss. 16a-3-308a) became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High Cost Home Loan~~ Act, Ky. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage----------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-45t1)

et seq. Effective ~~June 2~~March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time ------------------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan High Cost Home Practices Act Mortgage Loan Mass. Gen. Laws ch. 183C, ~~Colo. Covered Loan Stat~~▇▇.▇▇. ~~Ann. ss.ss. 5-3.5-101~~ 1 et seq. ------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective ~~for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June~~ Date Predatory Lending Law ------------------------------------------------------------------------------------------------------------ Effective November 7, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive~~ 2004 ------------------------------------------------------------------------------------------------------------ Nevada Assembly ▇▇▇▇ No. 284, Nev. Rev. Stat. Home Loan ~~Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss.~~ ▇▇~~a-746~~ .▇▇. 598D.010 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia~~ 2003 ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security High Cost Home Loan ~~Protection Act~~Act of 2002, ~~D.C. Code ss.ss~~N.J. Rev. Stat. ~~Covered Loan 26-1151.01~~ ▇▇.▇▇. 46:10B- 22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ ------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, ~~Fla. Stat. Ann. ss.ss.~~ N.M. Rev. High Cost Home Loan ~~494.0078~~ Stat. ▇▇.▇▇. 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 ------------------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6~~, 2003) Ann. ss.ss. 7~~-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code l High Cost Home Loan ~~7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq.~~ Effective for ~~loans closed~~ applications made on or after ~~March 7~~April 1, 2003 ~~---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership~~ ------------------------------------------------------------------------------------------------------------ North Carolina Restrictions and ~~Equity Protection~~ Limitations on High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan ~~High~~ Cost Home ~~Loan Act~~Loans, ~~Ky. Rev.~~ N.C. Gen. Stat. ~~ss.ss~~▇▇.▇▇. ~~360.100~~ 24-1.1E et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage.

Appears in 1 contract

Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Opt1)

et seq. Effective June 2, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. ~~Covered Loan~~ Stat. Ann. Covered ▇▇an ss.ss. 5-3.5-101 et ~~seq~~▇▇▇. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan ~~Practices~~ Act, Conn. Gen. Stat. ss.ss. 36a-746 et s▇▇~~a-746 et seq~~. Effective October 1, 2001 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Protection Act, D.C. Covered Loan Code ss.ss. ~~Covered Loan~~ 26-1151.01 ~~et seq~~e▇ ▇▇▇. Effective for loans closed on or after January 28, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. ~~High Cost~~ ▇▇gh ▇▇▇▇ Home Loan 494.0078 et seq. Effective October 2, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, ~~2002 -~~ Georgia ~~Fair Lending~~ F▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ . ▇▇.▇▇. High ▇▇▇t ▇▇▇▇ ~~▇▇▇▇ ▇▇▇▇~~ Loan 2002 - Mar. 6, 2003) ~~Ann. ss.ss.~~ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code ~~High Cost Home Loan 7, 2003 - current)~~ Ann. ss.ss. High C▇▇▇ H▇▇▇ ▇oan (Mar. 7, 2003 7-6A-1 et seq. - current) Effective for loans closed on or after March 7, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost H▇▇▇ Loan ss.ss. 24-9-1-1 et ▇▇▇. Effective for loans originated on or after January 1, 2005. --------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ~~High Loan to Value~~ ss.ss. Hig▇ Loa▇ ▇▇ Value Consumer 16a-1-101 et seq. ~~Consumer~~ Loan (id. ss. 16a-3-207) and; --------------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- --------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost ~~Home~~ Hom▇ ▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Loan ~~High Cost Home Loan Act, Ky.~~ Rev. Stat. ss.ss. 360.100 et ~~seq~~s▇▇. Effective June 24, 2003 ~~---------------------------- ---------------------------------------- --------------------------~~ --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. ~~High Rate High Fee~~ 9-A, ss.ss. High Rate H▇▇▇ ▇ee Mortgage 8-101 et seq~~. Mortgage~~.

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac7)

et seq. Effective ~~June 2~~May 24, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado~~ 2002 ------------------------------------------------------------------------------ Oklahoma Consumer ~~Equity Protection~~Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective July 1, ~~Colo. Covered~~ 2000; amended effective January 1, 2004 ------------------------------------------------------------------------------ South Carolina South Carolina High Cost and High Cost Home Consumer Home Loans Act, S.C. Code Loan ~~Stat.~~ Ann. ss.ss. 537-~~3.5~~23-~~101~~ 10 et seq. Effective for ~~covered~~ loans ~~offered or entered into~~ taken on or after January 1, ~~2003. Other provisions of the Act took effect on June 7~~2004 ------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Lender, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices~~ Broker and Servicer Act, ~~Conn. Gen. Stat~~W. Mortgage Loan Act Va. Code Ann. ss.ss. ~~▇▇a-746~~ 31-17-1 Loan et seq. Effective ~~October 1~~June 5, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss.~~ 2002 ------------------------------------------------------------------------------ Standard & Poor's Covered Loan 26Categorization --------------------------------------------- Category under Applicable Anti- Name of Anti-~~1151.01 et seq.~~ Predatory Lending Predatory Lending State/Jurisdiction Law/Effective for loans closed on or after January 28, 2003 ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Date Law ------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ - ▇▇▇~~▇ Mar. 6~~. ▇, ~~2003~~▇003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 ------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership ~~and Equity Protection High Cost~~ Security Covered Home Loan Act of ~~1994~~2002, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. N.J. Rev. Stat. ss.ss. ~~360.100~~ 46:10B 22 et seq. ~~Effective June 24~~Effectiv▇ November 27,2003 - July 5, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage~~2004 Standard & Poor's Home Loan Categorization ------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-4cb)

et seq. Effective June 2, 2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746 et seq. Effective October 1, 2001 ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Protection Act, D.C. Code ss.ss. Covered Loan 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 ---------------------------------- ----------------------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High Cost Home Loan ~~494.0078~~ et ~~seq~~SEQ. Effective October 2, 2002 ---------------------------------- ----------------------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Georgia (Oct. 1, 2002 - Georgia Fair Lending ~~▇▇▇~~Act, ▇▇Ga. Code Ann. ~~▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇~~ ss.ss. High Cost Home Loan Mar. 6, 2003) ~~Ann. ss.ss. 7~~▇-~~6A-1 et seq~~▇▇-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ----------------------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Georgia as amended ~~(Mar.~~ Georgia Fair Lending Act, Ga. Code Ann. ss.ss. High Cost Home Loan (Mar. 7, 2003 - current) ~~Ann. ss.ss. 7~~▇-~~6A-1 et seq~~▇▇-1 ET SEQ. Effective for loans closed on or after March 7, 2003 ---------------------------------- ----------------------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan ~~Act of~~ 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------------- ----------------------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan ~~Stat. tit.~~ 815, ss.ss. 137/5 et seq. Effective ~~January~~ Ja▇▇▇▇▇ 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------- ----------------------------------------------------- ---------------------------- ~~---------------------------------------- --------------------------~~ Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loans ss.▇▇. 16a-1-101 et seq. Effectiv▇ ▇▇▇uary 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------------- ----------------------------------------------------- ---------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to Value ~~ss.ss.~~ Consumer 16a-1-101 ~~et seq~~ET SEQ. ~~Consumer~~ Loan (~~id.~~ ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------- ----------------------------------------------------- ----------------------------

Appears in 1 contract

Sources: Assignment and Assumption Agreement (RFMSI Series 2007-S8 Trust)

et seq. Effective ~~June 2~~March 22, ~~2003 ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection~~2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ~~Colo. Covered Loan Stat. Ann.~~ ss.ss. ~~5-3.5-101~~ 1 et seq. Effective ~~for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June~~ November 7, ~~2002 ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive~~ 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.▇▇. Home Loan ~~Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. ss.ss. ▇▇a-746~~ 598D.010 et seq. Effective October 1, ~~2001 ---------------------------- ---------------------------------------- -------------------------- District~~ 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of ~~Columbia~~ 2002, High Cost Home Loan ~~Protection Act, D.C. Code~~ N.J. Rev. Stat. ss.ss. ~~Covered~~ 46:10B- --------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan 26Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Name of Anti-~~1151.01~~ Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after ~~January 28~~November 27, 2003 ~~---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending~~ --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, ~~Fla.~~ N.M. Rev. Stat~~. Ann~~. ss.ss. High Cost Home Loan ~~494.0078~~ 58-21A-1 et seq. Effective ~~October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct.~~ as of January 1, ~~2002 - Georgia Fair Lending ▇▇▇~~2004; Revised as of February 26, ~~▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Mar.~~ 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, ~~2003) Ann~~2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 724-~~6A-1~~ 1.1E et seq. Effective July 1, 2000; amended October 1, ~~2002 - March 6,~~ 2003 ~~---------------------------- ---------------------------------------- -------------------------- Georgia as amended~~ (~~Mar. Georgia Fair Lending Act, Ga. Code High Cost Home Loan 7, 2003 - current~~adding open-end lines of credit) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-A, ss.ss. 8-101 et seq. Mortgage---------------------------------------------------------------------------------------------------------------------

Appears in 1 contract

Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-46cb)

Common use of et seq Clause in Contracts