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collar clauses in mortgage

How Does a Tracker Mortgage Work? | eHow.com
Referred to as "collars" or "floors," British lenders typically include a clause in the mortgage contract that places a limit on how low the mortgagee's rate can go.
http://www.ehow.com/how-does_4897494_tracker-mortgage-work.html

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Nationwide waivers collar clause and cuts SVR to 4 percent
Dec 5, 2008 . Nationwide Building Society said last night it would cut its Standard Variable Rate SVR by 0.67 and waive the collar clause in its existing .
http://www.100mortgages.org/20081205/nationwide-waivers-collar-clause-and-cuts-svr-to-4-percent/

No Collar Clause: Lloyds TSB, C&G and Barclays - Mortgage and ...
Dec 4, 2008 . If you have a tracker mortgage with Lloyds TSB (LON:LLOY), Cheltenham & Gloucester (C&G) or Barclays (LON:BARC), you will be pleased to .
http://www.100mortgages.org/20081204/no-collar-clause-lloyds-tsb-cg-and-barclays/

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Beware the lenders' get-out clause from base rate cuts | Money | The ...
Nov 1, 2008 . Ray Boulger, of brokers John Charcol, says collars have become a "hot" issue within recent days. "Most mortgage companies have a clause in .
http://www.guardian.co.uk/money/2008/nov/01/mortgages-property

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BBC NEWS | Business | Nationwide ends tracker rate cuts
Jan 2, 2009 . Collar clauses. The interest rate on a tracker mortgage rises and falls in line with changes to the Bank of England's key lending rate. A clause in .
http://news.bbc.co.uk/2/hi/business/7807813.stm

anaconda mortgage financial definition of anaconda mortgage ...
A mortgage containing a clause saying it secures the debt originally intended by the parties, and all future debts that may become due and owing in the future.
http://financial-dictionary.thefreedictionary.com/anaconda+mortgage

How Reserve Bank Interest Rate Changes Affect Your Mortgage ...
Feb 24, 2010 . One thing to watch out for, which has caught a lot of people out on tracker mortgages over the last 12 months, is a collar clause. This is a .
http://www.bigloanguide.com/how-reserve-bank-interest-rate-changes-affect-your-mortgage/

White Collar Crime Attorneys
White collar crime attorneys found simply and within your city using . The Commerce Clause of the U.S. Constitution gives the federal government the authority . This includes corporate fraud, health care fraud, mortgage fraud, securities and .
http://www.lawinfo.com/fuseaction/Client.lawarea/categoryid/79

Escalator Clause Definition | Investopedia
Escalator Clause - Definition of Escalator Clause on Investopedia - A . Proceed with caution when considering these short-term, high-interest mortgages. . crimes and punishments of some of the most infamous convicted white-collar crooks.
http://www.investopedia.com/terms/e/escalatorclause.asp

cap Definition | Business Dictionaries from AllBusiness.com
See also collar . . clause in an adjustable-rate mortgage (ARM) limiting any increase in the interest rate during a calendar year adjustment period to a preset .
http://www.allbusiness.com/glossaries/cap/4949432-1.html

Securities Contract Law & Legal Definition
. sale, or loan of a security, a certificate of deposit, a mortgage loan, any interest in a. . (vi) any loan transaction coupled with a securities collar transaction, any . that provides for an agreement or transaction referred to in clause (i), (ii), (iii), .
http://definitions.uslegal.com/s/securities-contract/

Can I challenge a tracker mortgage collar or floor? | This is Money
Nov 9, 2010 . If I have a floor or collar on my tracker mortgage can I challenge it to . replies: Until recently, little-known clauses in mortgages that impose a .
http://www.thisismoney.co.uk/money/experts/article-1648660/Can-I-challenge-tracker-mortgage-collar.html

Overtime for Financial Industry White Collar Workers
The financial services industry, and the home mortgage industry in particular, . financial service employers must pay the white collar workers a guaranteed .
http://www.fklaborlaw.com/faqs/Overtime.html

Stock Purchase Agreement Form
(Hint: If in doubt it's usually safer to include unneeded clauses than to leave . or of any law, agreement, indenture, deed of trust, mortgage, loan agreement or .
http://www.lectlaw.com/forms/f049.htm

For more details, see the collateral auto loan.

Mortgage fraud Archives: White Collar Criminal Defense Lawyer Blog
Published by Miami, Florida White Collar Criminal Defense Lawyer :: The Swartz . Singletary is a classic example of mortgage fraud seen in Miami and other . were admitted in violation of the Confrontation Clause The Defendant in U.S. v .
http://www.whitecollarcriminaldefenselawyerblog.com/mortgage-fraud/

No collar clause in existing, RBS, Northern Rock and C&G mortgage ...
Nov 10, 2008 . Royal Bank of Scotland (RBS) Bradford & Bingley, HBOS who own Halifax, Northern Rock, Nationwide Building Society all followed the lead .
http://www.100mortgages.org/20081110/no-collar-clause-in-existing-rbs-northern-rock-and-cg-mortgage-deals/

Mortgage lenders' small print ruse to block rate cuts | Mail Online
Apr 4, 2012 . Banks may use the small print in mortgage contracts to prevent . clause' in their contract, known as a ' collar', which means lenders can stop .
http://www.dailymail.co.uk/news/article-1084300/Mortgage-lenders-small-print-ruse-block-rate-cuts.html

Advice if you can't pay your Spanish mortgage
Your mortgage, like mine, has a “collar” (minimum) rate which places a lower limit . They say some banks have already removed these clauses under pressure.
http://www.advoco.es/home/22-latest/27-advice-if-you-cant-pay-your-spanish-mortgage

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Glossary of Terms Page
Acceleration clause: A common provision of a mortgage which allows the . Interest rate collar: Risk management tool which mitigates risk by restricting the .
http://www.ams-servicing.com/AMS_GlossaryTerms.aspx

Legislative Summary of Bill C-21: An Act to amend the Criminal ...
2.1 Minimum Sentence for Fraud (Clause 2); 2.2 Aggravating Circumstances ( Clause 3) . The intent of the bill is to “help crack down on white-collar crime and . of securities,” as well as “mass marketing fraud, mortgage and real estate fraud , .
http://www2.parl.gc.ca/sites/lop/legisinfo/index.asp?Language=E&query=7003&Session=23&List=ls

Victor Vital - Greenberg Traurig Litigation, White Collar Criminal ...
Victor has tried more than 100 cases in his civil and white collar criminal defense . Co-Author, "Mortgage-Backed Securities Litigation: Claims and Defensive . FTC Franchise Rule: Merger and Integration Clauses, Franchise Agreements, .
http://www.gtlaw.com/People/VitalVictorD

11 USC § 101 - Definitions | LII / Legal Information Institute
(28) The term “indenture” means mortgage, deed of trust, or indenture, under . securities, mortgage loans, or interests of the kind described in this clause, at a date . a rate floor, rate cap, rate collar, cross-currency rate swap, and basis swap; .
http://www.law.cornell.edu/uscode/text/11/101
Real Estate Terms, Definitions and Dictionary In Plain English
acceleration clause · adjustable-rate mortgage (ARM) · adjustment date · amortization · amortization schedule · annual percentage rate (APR) · application .
http://www.realestateabc.com/glossary/
White-collar crime · Crime In The Suites
5 days ago . Crime in the Suites: An Analyis of Current Issues in White Collar Defense . on the Judiciary, held a hearing in February that looked at mortgage fraud, . has a specific online gambling clause under the Gambling and Lotteries .
http://crimeinthesuites.com/tag/white-collar-crime/
Transitional Trademark License Clauses (Pro-seller) | Patterson ...
Mortgage and Credit Crisis Team . White Collar Defense and Investigations . Form clauses for a buyer's transitional use of a seller's trademarks after a .
http://www.pbwt.com/transitional-trademark-license-clauses-pro-seller-03-02-2012/

COBRA coverage periods
Qualifying event	Beneficiary eligible for COBRA	Maximum coverage time
· Voluntary or involuntary termination of job other than gross misconduct · Reduced hours	Employee Spouse Dependent child	18 months
· Total disability	Employee	29 months
· Employee entitled to Medicare · Divorce or legal separation · Death of employee	Spouse Dependent child	36 months
· Loss of dependent-child status	Dependent child	36 months

Hold Harmless Clause Definition | Investopedia
Hold Harmless Clause - Definition of Hold Harmless Clause on Investopedia . Guard your finances in uncertain times with a protective collar strategy, which provides short-term downside protection. . Savings; Home Equity; Mortgage; Auto .
http://www.investopedia.com/terms/h/Hold-Harmless-Clause.asp

New rail franchisees could face greater risks - FT.com
Jan 19, 2011 . Property & Mortgages · Investments . The abolition of the “cap-and-collar” clauses in franchise agreements raises the prospect that train .
http://www.ft.com/cms/s/0/13476210-23fb-11e0-bef0-00144feab49a.html

Mortgage guide: Redemption penalties
. since the number of mortgages offered with an 'over-hanging' penalty clause appears to . The whole issue of redemption penalties has arisen because mortgage . Fixes, caps, collars, trackers and deep discounts have been brought into .
http://www.talktalk.co.uk/money/mortgages/guide/guide7.html

Bryan Cave | Our People | R. Joseph Burby, IV | White Collar ...
His practice there focused on antitrust litigation and white collar criminal matters. . immigration offenses, money laundering, mortgage fraud, and export control . of the Confrontation Clause,” Federal Criminal Practice, Georgia ICLE Seminar, .
http://www.bryancave.com/joeyburby/

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Disability Insurance: An Interview with Law Expert Frank Darras
. sponsored ERISA litigation, credit card, auto, and mortgage disability issues. . Most group policies also include a clause delaying coverage on pre-existing . coverage while professional/white collar applicants pay less than blue-collar .
http://insurance.lovetoknow.com/Disability_Insurance:_An_Interview_with_Law_Expert_Frank_Darras
White Collar Crime Prof Blog: FCPA
Gary R. Trombley Family White-Collar Crime Research Professor . Markus Funk's - Walking Through the FCPA and Travel Act's Anti-Bribery Provisions here.
http://lawprofessors.typepad.com/whitecollarcrime_blog/fcpa/
Directory for Alabama Mortgage Lenders and Rates (AL)
If there is a “power of sale” clause in the mortgage, the judicial process of foreclosure (a lawsuit) is used. If there is no “power of . White Collar Crime Supervisor .
http://www.mortgage-info.us/alabama.htm
Mortgages
Simply explains the different mortgages available today, compares . fee is usually higher than some other mortgage products, and the penalty clause for early . introduced what is called a collar to these mortgages which safeguards them .
http://www.managemoney4life.com/Select-Life-Stage/Working-Adults/Foundation-Knowledge/Mortgages.aspx
In Proposed Mortgage Fraud Settlement, a Gift to Big Banks ...
Mar 16, 2011 . Lurking in a proposed mortgage fraud settlement with the state attorneys general . Yes, the clause says the other alternative is to wipe out the second's value entirely, but . WHITE COLLAR WATCH Why Do the Rich Risk It?
http://dealbook.nytimes.com/2011/03/16/in-proposed-mortgage-fraud-settlement-a-gift-to-big-banks/
Mortgage Jargon Buster: Cap, Cap and Collar, Capital, Capital ...
Mortgage terms explained: Cap, Cap and Collar, Capital, Capital Improvement, . A clause in a mortgage contract or in a contract for the sale of a property that .
http://www.alexanderhall.co.uk/mortgages/jargon/c.html

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Mortgage Settlement Defines Racketeering | Sense on Cents
Mar 13, 2012 . If the Wall Street mortgage settlement is supposed to define justice, then . In typical white collar fashion, though, the only face on this crime is that of . There was no moral clause, or deficiency clause, just sieze the collateral.
http://www.senseoncents.com/2012/03/mortgage-settlement-defines-racketeering/

New Massachusetts Law Affecting Foreclosures, Evictions, Reverse ...
For foreclosing creditors (“creditors” includes mortgage holders, MERS, . including the foreclosure provisions, are effective as of August 7, 2010, when the Act .
http://www.psh.com/new-massachusetts-law-affecting-foreclosures

Court Enforces Confrontation Clause in Bullcoming v. New Mexico ...
Dec 5, 2011 . White Collar Crimes · White Collar Crimes . Bank and Mortgage Fraud · Bank and . Court Enforces Confrontation Clause in Bullcoming v.
http://www.mlhorwitzlaw.com/blog/2011/12/court-enforces-confrontation-clause-in-bullcoming-v-new-mexico.shtml

Residential Real Estate : New Jersey Law Blog
Some lenders, however, now provide a leasehold mortgage. . the effective date of the Co-Operative Recording Act are not subject to these statutory provisions.
http://www.njlawblog.com/articles/residential-real-estate/

Mortgage
After acquired clause . Collar · Collateral trust bonds · Collateralized Mortgage Obligation . Fannie Mae - Federal National Mortgage Association FNMA .
http://www.investhub.com/mortgage.htm

New Jersey Court Cases - Court Case Law from NJ - New Jersey ...
The agreement contained a mortgage financing contingency, which read as follows: . This self-terminating versus perpetual mortgage contingency clause dichotomy does not relate to jurisdictional matters, nor does it . White Collar Crimes .
http://www.romingerlegal.com/new_jersey/appellate/a0861-99.opn.html

Changing your mind

Mortgage Settlement 'Whitewash': US Taxpayers Will Pay for Big ...
Feb 17, 2012 . A clause in the provisional agreement allows the banks to use the . Congress will not police itself, they will not police the white collar crimes, .
http://www.commondreams.org/headline/2012/02/17-0

Property Jargon Buster | Glossary of Real Estate Terms | Phrases ...
Call option. A clause in a loan agreement that allows a lender to ask for the balance at any time. . Cap & collar mortgage. This is a mortgage that has both a top .
http://www.themovechannel.com/jargonbuster/c/

Press Room | Solomon & Adrienne Wisenberg | Washington DC
He is also Contributing Editor of the White Collar Crime Prof Blog. . of Speech or Debate Clause issues on white collar public corruption prosecutions. . Mr. Wisenberg discussed KPMG's role in the New Century Mortgage fraud collapse.
http://www.wisenberglaw.com/Press-Room.shtml

Deprivation of Liberty: Economic Legislation :: Fifth Amendment ...
. who observed that the due process and equal protection clauses are " associated" and that "[i]t may . 471 Kentucky Whip & Collar Co. v. . no vested right to use housing, built with the aid of FHA mortgage insurance for transient purposes, .
http://law.justia.com/constitution/us/amendment-05/18-substantive-due-process.html

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Global Financial Crisis: Mortgage Armageddon Unfolding - Ars ...
Paperwork or no, if you're not paying your mortgage, you're not entitled to . There are only 120 white collar specialists at the FBI to investigate the . Gold clauses were taken out of US debt instruments in 1933 when the US .
http://arstechnica.com/civis/viewtopic.php?f=24&t=36094&start=10320

Tracker mortgages – the way to go?
Dec 16, 2008 . It may be that a tracker mortgage has a collar of, say, three percent, . them the aforementioned collar and also an occasional clause that allows .
http://www.hip-consultant.co.uk/blog/tracker-mortgages-the-way-to-go-123/
FDIC Law, Regulations, Related Acts - Federal Deposit Insurance Act
Mar 2, 2012 . (ii) have no claim for damages under any acceleration clause or other penalty . a security, a certificate of deposit, a mortgage loan, any interest in a mortgage . ( VII) means any loan transaction coupled with a securities collar .
http://www.fdic.gov/regulations/laws/rules/1000-1240.html

Legal News - Houston White Collar Attorney
State and Federal Agencies Take Steps to Combat Mortgage Fraud · Federal . to Confrontation Clause scrutiny; and 2) there was no double jeopardy violation .
http://www.whitecollarlawyer-houston.com/CM/Custom/Legal-News.asp
Extensions.
Mortgage Terms | Los Angeles Westside Real Estate
Collar beam The structural element that connects roof rafters. . Due-on-sale clause Standard language in a mortgage which states that the loan must be paid .
http://mrwestside.com/mortgage-terms/
Mortgage Glossary from Cheap Mortgages
Most lenders have a clause in their mortgage conditions which gives them a right to possession on bankruptcy. This is seldom acted upon unless the account .
http://www.cheapmortgages.com/glossary.htm

CFPB Conducts Final Round of Mortgage Disclosure Testing
Mar 6, 2012. Markets, Securities Litigation & White Collar Defense, Specialty Practices . The CFPB issued revised prototypes of the single mortgage disclosure to . Circuit Upholds Arbitration Clause in Deposit Account Agreement .
http://www.goodwinprocter.com/Dodd-Frank/Publications/Newsletter%20Articles/Consumer%20Financial%20Articles/2012_03/06_04.aspx
Foreclosure Terms | New Foreclosure Attorneys, Lawyers | Nassau ...
The acceleration clause in the mortgage is usually triggered by non-payment of the monthly mortgage payments. By way of example, for a period of three months .
http://www.schlissellawfirm.com/foreclosure-terms/

New York Employment Law Attorney - New Jersey White Collar ...
. orders seeking to enforce non-compete clauses or non-solicitation agreements . . Securities professionals are also occasionally faced with white collar .
http://www.bhlawfirm.com/Securities-and-Commodities-Litigation-Arbitration/Representing-Brokers-Securities-Professionals.shtml
Understanding boilerplate clauses in legal documents - by Jon Aslin ...
Jan 4, 2011 . Boilerplate clauses are provisions that do not relate directly to the particular subject matter of a legal contract but set out the respective rig..., Jon .
http://www.helium.com/items/2056330-how-to-write-boilerplate-clauses-in-legal-documents

NCBuy: Credit Glossary - Acronyms and Definitions
A feature of mortgage loans or mortgage-backed securities designed to reduce the risk of an early call, or early . A clause in a mortgage giving the lender the right to demand and receive payment of the balance of the . Related Term : collar .
http://www.ncbuy.com/credit/glossary.html?action=LETTER&term=C
Banker's Glossary - C - American Banker
In mortgage-backed bonds, call protection may take the form of prepayment . The coinsurance provision, or clause, provides for full payment of losses up to the . (2) For CMOs, the collar is the range in which certain performance variables .
http://www.americanbanker.com/glossary/c.html

Angelo Mozilo - Wikipedia, the free encyclopedia
In 1969, he and his former mentor David S. Loeb, who had already started a mortgage lending company, founded Countrywide Credit Industries in New York.
http://en.wikipedia.org/wiki/Angelo_Mozilo
Banks profit as mortgage gap hits historic high - Telegraph
Nov 10, 2008 . Buried in the small print of most of these mortgage deals is a clause . Many of these "collars", as they are known, kick in at 3pc, so those on .
http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/3414983/Banks-profit-as-mortgage-gap-hits-historic-high.html

State Politicos Capitalizing on Mortgage Crisis and Foreclosures ...
Aug 30, 2009 . State Politicos Capitalizing on Mortgage Crisis and Foreclosures. . shift blame for this "white collar criminal fraud" on simply the now ex-real estate . citizen protection for then those nonconsensual added clauses and riders.
http://www.nowpublic.com/world/state-politicos-capitalizing-mortgage-crisis-and-foreclosures-0
Moving.
Case Law Review | Boyd Collar Nolen & Tuggle
If a full and fair trial on the merits is provided, the Due Process clause of the . Where the Agreement requires only that H remove W's name from mortgage, the .
http://www.bcntlaw.com/caselaw
Bank cuts interest rate to 1.5% - Business News - Business - The ...
Jan 8, 2009. but mortgage customers have been warned not to expect lenders to . it would invoke a "collar" clause enabling it to stop reducing rates on .
http://www.independent.co.uk/news/business/news/bank-cuts-interest-rate-to-15-1232685.html

Glossary of Terms | ACT
An option hedging strategy, the same as a Collar. . A clause in loan documentation which changes the obligations of the borrower, in the event of a change in .
http://www.treasurers.org/glossary/R
Federal White Collar Crime :: Philadelphia Criminal Defense Lawyer ...
In June, former chairman of Taylor, Bean, and Whitaker, a large mortgage . to create legislation permitting sports wagering; a clause which was clearly crafted .
http://www.philadelphiacriminaldefenselawyerblog.com/federal_white_collar_crime/
Real Estate Terms - Honolulu Real Estate - Hawaii Kai Real Estate ...
Assumable mortgage. A mortgage that can be transferred to another borrower. Assumption clause. A provision that allows a buyer to take responsibility for the .
http://www.eastoahu.com/Nav.aspx/Page=%2FPageManager%2FDefault.aspx%2FPageID%3D1611372

Mortgage Insurer Fights Countrywide Arbitration Bid - Law360
Mar 29, 2011 . An attorney for Republic Mortgage Insurance Co. told a New York state appeals court Tuesday that the . The phrase "which it initiates" in the arbitration clause of the parties' insurance agreements limits . White Collar Crime .
http://www.law360.com/realestate/articles/235511/mortgage-insurer-fights-countrywide-arbitration-bid
Disability.
Historic interest rate cut expected - money.scotsman.com
Jan 6, 2009 . In contrast, Moneyfacts says that while 76% of mortgage lenders have . The building society has a "collar" clause in its contract with 250000 .
http://money.scotsman.com/scotsman/articles/articledisplay.jsp?section=Banking&article_id=9984003
MicLoss Calculations in Fraud and White Collar Cases ...
Aug 20, 2011 . Loss Calculations in Fraud & White Collar Cases. Kevin Tate, Assistant Federal . The Due Process Clause of the Fifth Amendment is violated by the introduction of “victim . PRACTICE TIPS FOR MORTGAGE. FRAUD LOSS .
http://www.fd.org/pdf_lib/MT2011/Loss_Calculations.pdf

A Definitions: Campbell R. Harvey's Hypertextual Finance Glossary
Typically, such issues have a set floor or ceiling, called caps and collars that . After acquired clause: A contractual clause in a mortgage agreement stating that .
http://www.duke.edu/~charvey/Classes/wpg/bfglosa.htm

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California "Real Estate & Mortgage Fraud" Laws - Explained by ...
These types of white collar crimes can be filed as state crimes and/or federal crimes, . or (2) unethical requirements (for example, a clause that indicates that a .
http://www.shouselaw.com/fraud-mortgage.html

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ANZ Protected Equity Leveraged Solutions (APELS)
in your securities, while the use of a price collar reduces your overall cost . You must provide ANZ with a mortgage over the Nominated Approved . For further details on Early Termination please refer to clauses 13, 16 and 27 of the .
http://www.anz.com/Markets/Solutions/PDF/AIN273_APELS_IM_v4_singlepages.pdf

Isaac Gradman | LinkedIn
Mortgage Litigation Expert and Entreprenuer . including collective action clauses, investor standing prerequisites, trustee obligations, servicer obligations, loan file access rights, . Washington, D.C.; White Collar Crime, Commercial Litigation .
http://www.linkedin.com/pub/isaac-gradman/7/70b/7aa

Evidence : White Collar Defense and Compliance
The Due Process Clause only requires a preliminary judicial inquiry into the . A couple of years ago I was brought into a mortgage fraud case after trial in order .
http://whitecollarcrime.foxrothschild.com/articles/evidence/