Mortgage Servicing Rules
ARMs with or without a corresponding change in payment in two key respects: • Eliminates annual notice currently required when the interest rate adjusts during the course of a year without a corresponding change in payment; and • Revises the current disclosure when an interest adjustment results in a corresponding change in payment . 19
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Summary of Mortgage Servicing Rules
www.icba.orgIf an interest rate change does not result in a payment change, then no notice is required. Applies to all ARM loans serviced. Prompt Crediting of Payments and Provision of Payoff Statements Applies to all servicers. Borrower payments must be credited as of the day of receipt.
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