Basis Points® is a concise, easy-to-read, monthly legal update that you can depend on to provide timely answers to legal questions you face every day. Basis Points addresses complex legal issues from an industry perspective; it also keeps you informed on new legal developments affecting your business.

Basis Points® provides authoritative, reliable information in easy-to-read, plain English. The newsletter provides familiar factual scenarios, identifies the legal issues involved and presents real court resolutions and suggestions on how you might avoid similar legal pitfalls. This practical, useful publication will provide you and your management team with valuable knowledge designed to increase awareness of legal consequences attendant to everyday business decisions.

Basis Points® 2005 Archive
January, 2005	-	TILA Statute of Limitations Tolled for Failure To Provide Loan Documents in Spanish

Basis Points® 2004 Archive
December, 2004	-	Massachusetts Issues Temporary Emergency Regulations Addressing 'Borrower's Interest' Provision in New Law
November, 2004	-	Fannie Mae Revises Policy on Mandatory Arbitration Clauses
Sept/Oct, 2004	-	Second Circuit: 'Mark-Up' of Third-Party Settlement Services States RESPA Claim
August, 2004	-	New Mexico Adopts Regulations Implementing Home Loan Protection Act
July, 2004	-	Massachusetts, Connecticut Amend Mortgage Loan Rate Lock-In Requirements
June, 2004	-	D.C. Adopts Rules Governing Mortgage Lenders and Brokers
May, 2004	-	Federal Reserve Amends Reg. Z & Commentary
April, 2004	-	Agencies Issue Joint Guidance on Unfair or Deceptive Practices
March, 2004	-	TILA Mistakes Can Be 'Netted' for Tolerance Purposes
February, 2004	-	OCC Issues National Bank Preemption Rules
January, 2004	-	Fees Not Expressly Authorized by Iowa Consumer Credit Code Are Permissible But Considered Finance Charges

Basis Points® 2003 Archive
December, 2003	-	Eleventh Circuit Says Single Party Can Violate RESPA by Upcharging Fees
November, 2003	-	Acknowledgement of Receipt Can Be Challenged in Rescindable Transactions
Sept/Oct, 2003	-	Illinois Joins Bandwagon, Enacts Predatory Lending Legislation
August, 2003	-	Arbitrator Decides Whether Arbitration Clause Permits Class-wide Arbitration
July, 2003	-	Arbitration Agreement Prohibiting Punitive Damages Upheld
June, 2003	-	Right to Rescind Extended for Directing Rescission Notice to Husband Only
May, 2003	-	Section 501 Preempts California Restriction On When Interest Can Accrue
April, 2003	-	The Ninth Circuit OKs Volume Based Discounts
March, 2003	-	OCC Says Bank Op Subs Can Export Interest
February, 2003	-	FTC to Mortgage Brokers: You are Subject to New Privacy Rules
January, 2003	-	L.A. Predatory Lending Ordinance

Basis Points® 2002 Archive
December, 2002	-	Proposed Commentary to Regulation Z Would Allow Fast Pay Fees
November, 2002	-	New York Statute: Bad to the Bone
October, 2002	-	OTS Removes Preemption for Prepayment Charges and Late Charges
Aug/Sept, 2002	-	HUD Proposes Radical RESPA Rewrite
July, 2002	-	HMDA Revised to Require Reporting Loans With "Higher Rates"
June, 2002	-	Boulware: How The Fourth Circuit Decided RESPA is Not a Price Control Statute
May, 2002	-	OTS Proposes Repeal of AMTPA
April, 2002	-	Do You Know Your Applications From Your Prequalifications?
March, 2002	-	Massachusetts Division of Banks Declares Prepayment Penalties Unlawful
February, 2002	-	Time to Refresh Your Privacy Policies
January, 2002	-	FRB Expands Loans Subject to Section 32 Limits