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Thursday, September 3, 2009. MDIA - Mortgage Disclosure Improvement Act…What does this mean to you? The MDIA (Mortgage Disclosure Improvement Act). Is a brand-new regulation that is on the minds of all mortgage professionals, but what does it mean to consumers? Below are the four main changes:. The only fee that can be charged to the borrower prior to the loan application is a credit report. New Business Day Definition:. APR (Annual Percentage Rate). Why were these changes made? The regulations for colle...

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Fed Raises Short-Term Interest Rates – Apply before Monday. February 20, 2010 — americahomekeyflorida. The Federal Reserve is making a small increase in the rate it charges banks for short-term loans, a long-anticipated first step towards backing off the easy money policy it has pursued over the past year. Some analysts predict that raising the discount rate will have little immediate impact, as relatively few banks use the program. A more significant impact would result from raising the Federal Fund...

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