Video: Repa thiab Regulation X yog dab tsi?
2024 Tus sau: Stanley Ellington | [email protected]. Kawg hloov kho: 2023-12-16 00:17
RESPA thiab Txoj Cai X suav nrog cov kev cai lij choj uas hais tias yuav tsum tau tshaj tawm dab tsi rau Randy nrog rau cov cai tiv thaiv cov neeg siv khoom uas cuam tshuam rau cov qiv nyiaj. Txoj Cai Tswj Vaj Tse Sib Cai Lij Choj Xyoo 1974 ( RESPA ) tau dhau los ntawm Congress nrog lub hom phiaj los pab cov neeg qiv nyiaj zoo dua rau cov kev pabcuam daws teebmeem.
Kuj tseem paub yog, Txoj Cai X yog dab tsi?
Kev cai X yog ib txoj cai tswjfwm kev txwv tsis pub qiv nyiaj rau cov neeg txawv tebchaws lossis cov koom haum rau kev yuav khoom ntawm US Treasuries xws li daim ntawv cog lus. Pawg Thawj Tswj Hwm ntawm Tsoom Fwv Teb Chaws Reserve System (FRS) tau tshaj tawm Kev cai X.
Ib sab saum toj no, lub hom phiaj tseem ceeb ntawm respa yog dab tsi? RESPA muaj ob lub hom phiaj tseem ceeb : (1) kom tswj tau qee qhov kev tshaj tawm uas cuam tshuam nrog cov txheej txheem kev daws teeb meem vaj tsev kom cov neeg yuav khoom hauv tsev tuaj yeem txiav txim siab paub txog lawv cov khoom vaj khoom tsev; thiab (2) txwv tsis pub qee qhov kev coj ua tsis raug cai los ntawm cov chaw muab kev daws teeb meem vaj tsev, xws li kickbacks thiab
Hauv qhov no, dab tsi Reg yog respa?
Kev cai X, lossis "RESPA", siv rau tag nrho tsoomfwv cov nyiaj qiv nyiaj qiv nrog qee qhov kev zam. RESPA xav kom muaj kev tshaj tawm tshwj xeeb thiab cov txheej txheem cuam tshuam nrog rau daim ntawv thov, kev sib hais, thiab kev pabcuam ntawm 1-4 lub tsev qiv nyiaj rau cov neeg siv khoom.
Qhov txawv ntawm respa thiab Reg Z yog dab tsi?
Qhov tseeb nyob rau hauv Lending Act thiab kev cai Z yuav luag zoo ib yam. TILA yog ib txoj cai, thaum Regulation Z yog Federal Reserve txoj cai. Lawv ob leeg yuav tsum tau nthuav tawm tag nrho cov nqi thiab cov ntsiab lus cuam tshuam nrog kev qiv nyiaj txiag. RESPA yog ib txoj cai lij choj uas yuav tsum tau nthuav tawm tag nrho cov nqi sib hais.
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