Overcharging on mortgages: escrow account limits : hearing before the Subcommittee on Housing and Community Development of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Second Congress, first session, March 20, 1991, Volume 4
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2-month cushion abuses aggregate April Assistant Attorney billion bills California Caplans Chairman Gonzalez charges Committee Comptroller Congress creative accounting deposit enforce escrow analysis escrow balance escrow cushions Estate Settlement Procedures excessive escrow Fannie Mae contract Farmers Home Administration Federal FNMA foreclosure funds going Goldberg hazard insurance hearing home mortgages homeowners Housing individual item analysis insurance payments insurance premiums insurance subaccount interest issue JIM MATTOX Kennedy legislation lenders and servicers litigation loans month monthly escrow payment Morrison Mortgage Bankers Association mortgage contracts mortgage escrow accounts mortgage instruments mortgage lenders mortgage lending industry one-sixth cushion one-twelfth over-escrowing paid pay taxes percent problem Public Citizen Real Estate Settlement regulation requiring consumers RESPA ceiling RESPA cushion result ROBERT ABRAMS Sanders Settlement Procedures Act subcommittee sumer surplus tax payment taxes and insurance testimony Texas Thank two-month underlying mortgage upcoming Westchester County worth of escrow Wylie York zero