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Author:Office, Community Affairs 

Journal Article
Texas foreclosure timeline

Texas has a rather quick foreclosure process for non-home equity loans. (Home equity loans must be foreclosed judicially.) The process is conducted by the trustee designated by the lender in the deed of trust (the mortgage instrument) without any court involvement.
Banking and Community Perspectives , Issue 2 , Pages 7

Journal Article
Determining coverage under HOEPA

To understand how these amendments affect a typical home equity loan, a loan example has been developed that incorporates the changes in the regulation. The annual percentage rate test and the points and fees test are applied to a loan example.
e-Perspectives , Issue 2

Journal Article
Operation HOPE seeks economic triage volunteers for Hurricane Katrina

HOPE Coalition America has activated Project Restore HOPE to assist recent hurricane victims with the short-, medium- and long-term economic and financial challenges they will face in the weeks and months ahead
e-Perspectives , Issue 2

Journal Article
Addressing mortgage delinquencies and foreclosures

Numerous programs, partnerships and other efforts--led by public, private and nonprofit organizations--are under way to reduce the number of delinquencies and foreclosures.
e-Perspectives , Issue 1

Journal Article
Quantifying the foreclosure issue

Chart shows seriously delinquent loans by loan category in Texas, 2001-2007. ; Seven Texas metropolitan statistical areas ranked in the Top 100 MSAs with the highest foreclosure rate relative to the total number of households in the MSA. ; Twenty-two Texas ZIP codes made the list of 500 U.S. ZIP codes with the most foreclosure filings for the three months ended June 15, 2007.
Banking and Community Perspectives , Issue 2 , Pages 4

Journal Article
Credit counseling: in person, by phone or online

A recent study finds that telephone and face-to-face counseling can be equally effective and appear to generate equivalent outcomes for consumers' creditworthiness two years later. The increase in telephone and online counseling may encourage consumers to seek earlier assistance for their credit and debt problems.
e-Perspectives , Issue 3

Journal Article
Earned Income Tax Credit: campaign urges taxpayers to file for unclaimed refunds

e-Perspectives , Issue 1

Journal Article
Banks building markets by building communities

Banks, their customers and the local community share the long-term benefits of meaningful community investments.
Banking and Community Perspectives , Issue 1 , Pages 3-8

Journal Article
Notes from the field: interview with Texas development finance manager

Banking and Community Perspectives , Issue 3 , Pages 18-19

Journal Article
Fed Governors see Cameron Park colonia firsthand

Federal Reserve Governors Susan Bies and Ben Bernanke recently visited with the Community Development Corporation of Brownsville and toured the Cameron Park colonia to learn more about affordable housing development in Texas colonias. They also met with a small business owner who received a loan from ACCION Texas, the country's largest microlender.
e-Perspectives , Issue 6



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