| http://www.w3.org/ns/prov#value | - Prior to the adoption of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act), TILA, which is implemented by Regulation Z, set forth requirements on creditors that were carried out by servicers, including disclosures regarding interest rate adjustments on ARMs. Regulation Z also imposes limited requirements directly on servicers, such as requirements to credit pay
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