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Bank:Federal Reserve Bank of Dallas  Series:e-Perspectives 

Journal Article
Overview of the Section 8 home-ownership option

e-Perspectives , Issue 6

Journal Article
Claiming the EITC

e-Perspectives , Issue 4

Journal Article
Notes from the field: interview with CCCS of Greater Dallas

In an interview with the Federal Reserve Bank of Dallas, Todd Mark, vice president of education at Consumer Credit Counseling Service (CCCS) of Greater Dallas, discusses the biggest issues clients are facing.
e-Perspectives , Issue 1

Journal Article
Texas New Alliance Task Force members

e-Perspectives , Issue 1

Journal Article
Rollout of FACTA complete

e-Perspectives , Issue 2

Journal Article
Changes to Regulation Z expand loans subject to HOEPA

Anecdotal evidence of abusive practices in the home equity lending market led to the enactment of the Home Ownership Equity Protection Act (HOEPA). The act was amended in late 2001, and compliance under the new rules becomes mandatory on Oct. 1, 2002. The rate-based trigger was lowered by 2 percentage points for first-lien mortgages, and the fee-based trigger was revised to include the cost of optional credit insurance and similar debt protection products paid at closing. Further, the amendments restrict certain acts and practices in connection with home-secured loans.
e-Perspectives , Issue 2

Journal Article
Community development decision flow chart

When CRA officers gather with their examiners, the top question they ask is whether their activity qualifies for CRA purposes. This Community Development Decision Flow Chart can help answer that question.
e-Perspectives , Issue 4

Journal Article
A summary of consumer protection regulatory changes

Many regulatory changes go into effect in 2009 and 2010 as the government works to increase the knowledge of consumers who are shopping for credit.
e-Perspectives , Issue 3

Journal Article
Get the facts: financial literacy makes cents

e-Perspectives , Issue 1

Journal Article
EITC eligibility

e-Perspectives , Issue 4

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