Title 12, Part 617 — Borrower Rights
37 sections
Section 617.7000
Definitions.
Section 617.7005
When may electronic communications be used in the borrower rights process?
Section 617.7010
May borrower rights be waived?
Section 617.7015
What happens to borrower rights when a loan is sold?
Section 617.7100
Who must make and who is entitled to receive an effective interest rate disclosure?
Section 617.7105
When must a qualified lender disclose the effective interest rate to a borrower?
Section 617.7110
How should a qualified lender disclose the cost of borrower stock or participation certificates?
Section 617.7115
How should a qualified lender disclose loan origination charges?
Section 617.7120
How should a qualified lender present the disclosures to a borrower?
Section 617.7125
How should a qualified lender determine the effective interest rate?
Section 617.7130
What initial disclosures must a qualified lender make to a borrower?
Section 617.7135
What subsequent disclosures must a qualified lender make to a borrower?
Section 617.7200
What disclosures must a qualified lender make to a borrower on loans offered with more than one rate of interest?
Section 617.7300
When acting on a loan application, what are the notice requirements and review rights?
Section 617.7305
What is a CRC and who are the members?
Section 617.7310
What is the review process of the CRC?
Section 617.7315
What records must the qualified lender maintain on behalf of the CRC?
Section 617.7400
What protections exist for borrowers who meet all loan obligations?
Section 617.7405
On what policies are loan restructurings based?
Section 617.7410
When and how does a qualified lender notify a borrower of the right to seek loan restructuring?
Section 617.7415
How does a qualified lender decide to restructure a loan?
Section 617.7420
How will a decision on an application for restructuring be issued?
Section 617.7425
What type of notice should be given to a borrower before foreclosure?
Section 617.7430
Are institutions required to participate in state agricultural loan mediation programs?
Section 617.7500
What is a directive used for and what may it require?
Section 617.7505
How will the qualified lender know when FCA is considering issuing a distressed loan restructuring directive?
Section 617.7510
What should the qualified lender do when it receives notice of a distressed loan restructuring directive?
Section 617.7515
How does the FCA decide whether to issue a directive?
Section 617.7520
How does the FCA issue a directive and when will it be effective?
Section 617.7525
May FCA use other enforcement actions?
Section 617.7600
What are the definitions used in this subpart?
Section 617.7605
How should System institutions document whether the borrower had the financial resources to avoid foreclosure?
Section 617.7610
What should the System institution do when it decides to sell acquired agricultural real estate?
Section 617.7615
What should the System institution do when it decides to lease acquired agricultural real estate?
Section 617.7620
What should the System institution do when it decides to sell acquired agricultural real estate at a public auction?
Section 617.7625
Whom should the System institution notify?
Section 617.7630
Does this Federal requirement affect any state property laws?