№ lp_1_2_65669
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This chapter outlines the rules and regulations for joint loans involving veterans, including guidelines for underwriting, guaranty, and other considerations specific to veteran and non-veteran loan combinations.
Year:
2019
Region / City:
Not specified
Topic:
Loans, Veterans, Joint Loans, Underwriting
Document Type:
Regulatory / Guideline
Author:
Not specified
Target Audience:
Veterans, Lenders, Financial Institutions
Effective Period:
Not specified
Approval Date:
March 11, 2019
Date of Changes:
Not specified
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Year:
2025
Region / City:
N/A
Topic:
Public finance, bond insurance
Document Type:
Legal disclosure
Organization / Institution:
Assured Guaranty Inc.
Author:
Assured Guaranty Inc.
Target Audience:
Bond Counsel, printers, and preparers of municipal bond offerings
Effective Period:
N/A
Approval Date:
July 2, 2025
Date of Changes:
N/A
Note:
Context
Year:
2019
Region / City:
N/A
Topic:
Guaranty Agreement
Document Type:
Legal Agreement
Issuer / Institution:
N/A
Author:
N/A
Target Audience:
Parties involved in the loan agreement (Guarantor, Borrower, Lender)
Period of Validity:
From the Effective Date
Approval Date:
05-20-2019
Date of Amendments:
N/A
Year:
2022
Region / City:
N/A
Theme:
Guaranty, Loan Agreement
Document Type:
Contract Amendment
Organization / Institution:
N/A
Author:
N/A
Target Audience:
Parties involved in the loan agreement
Effective Period:
N/A
Approval Date:
06-14-2022
Amendment Date:
06-14-2022
Year:
2024
Region / City:
Multistate
Subject:
Loan Guarantee
Document Type:
Legal Agreement
Organization / Institution:
Freddie Mac
Author:
Not specified
Target Audience:
Not specified
Period of validity:
Not specified
Approval Date:
Not specified
Amendment Date:
7-30-2024
Year:
1997
Region / State:
Maryland, USA
Subject:
Insurance regulation and guaranty mechanisms
Document type:
Legal statute
Governing body:
Maryland General Assembly
Amendments:
1996 (ch. 11, § 1), 1997 (ch. 57, § 9), 2004 (ch. 554, § 1)
Effective date:
October 1, 1997
Scope:
Property, casualty, surety, and motor vehicle insurance excluding life, health, mortgage guaranty, annuities, surplus lines, and unauthorized insurers
Key definitions:
Covered claim, insolvent insurer, member insurer, net direct written premiums, resident, surety bond
Purpose:
Ensure prompt payment of claims and allocate cost among insurers
Structure:
Establishes a private nonprofit Property and Casualty Insurance Guaranty Corporation with defined accounts and operational plan
Year:
2023
Region / City:
Washington, D.C.
Subject:
Contractor performance evaluation for Loan Guaranty Program
Document type:
Questionnaire
Agency:
Department of Veterans Affairs
Author:
Todd Synder, Contracting Officer
Target audience:
Contractors and contracting officials
Period of validity:
N/A
Approval date:
N/A
Amendment date:
N/A
Organization:
Stewart Title Guaranty Company
Document Type:
Internal approval request form
Industry:
Title insurance / real estate transactions
Purpose:
Request for underwriting approval to issue title insurance policies or endorsements
Related System:
Virtual Underwriter®
Policy Form Reference:
2006 ALTA Policy (default if not otherwise specified)
Required Attachments:
Title Search, Closing Instructions, Proposed Note and Mortgage, Commitment(s), Pro Forma(s)
Applicable Transaction Types:
Purchase, Refinance, Construction Loan
Required Information:
Policy form, policy type, proposed insured, policy amount, property description, transaction description
Property Information:
Subject property address, project name or reference, occupancy status, marketing status
Financial Information:
Loan details, financing purpose, construction disbursement protocol, refinance details
Legal Documentation:
Purchase and Sale Agreement, Deed, Mortgage documents, Power of Attorney (if applicable)
Compliance Requirement:
Issuance must comply with applicable state law and company underwriting guidelines
Approval Authority:
State Underwriter, Associate Senior Underwriter, or Stewart Underwriter
Additional Oversight:
Senior Underwriting Committee
Reinsurance Threshold:
Transactions with policy amounts of $100,000,000 or greater require contact with the Reinsurance Department
Risk Disclosure:
Declaration regarding unusual or extra hazardous risks associated with the transaction
Signature Requirement:
Title Examiner, Chief Title Officer, Closer, or Underwriter
Year:
2017
Jurisdiction:
Oregon, USA
Subject:
Financial Guarantee / Corporate Obligation
Document Type:
Legal Agreement / Guarantee Form
Organization:
PacifiCorp
Author:
Not specified
Parties Involved:
Guarantor corporation, Obligor LLC, Beneficiary PacifiCorp
Effective Date:
As of __________, 2017
Expiration Date:
As specified in the document
Legal Basis:
Commodity Exchange Act compliance
Guaranteed Obligations:
Payment and performance under the Power Purchase Agreement
Liability Limits:
Detailed in Section 1
Organization:
Asia Securities Industry & Financial Markets Association (ASIFMA)
Type of document:
Guidance / Industry publication
Jurisdiction:
Hong Kong
Topic:
Capital market regulations, IPO underwriting
Date of last update:
6 December 2022
Related authorities:
Securities and Futures Commission (SFC), Hong Kong Stock Exchange
Target audience:
Capital market intermediaries, overall coordinators, sponsors
Legal context:
Code of Conduct for Persons Licensed by or Registered with the Securities and Futures Commission, Listing Rules amendments
Jurisdiction:
United States
Geographic scope:
California, Indiana, Michigan, Montana, Texas, Utah, Wyoming
Subject area:
Healthcare finance and mortgage underwriting
Program references:
QASP, IGT/UPL, QMI, QIPP
Document type:
Guidance memorandum
Regulatory context:
HUD Section 232 insured mortgages
Primary audience:
Lenders and underwriters
Year:
2021
Referenced date:
June 30, 2021
Related agreements:
Operator Regulatory Agreement, Operator Security Agreement
Industry sector:
Nursing facilities and healthcare facilities
Source references:
HUD.gov FAQs and prior email guidance
Year:
2019
Country:
United States
Subject:
Credit underwriting standards for VA-guaranteed loans
Document type:
Regulatory handbook chapter
Issuing body:
U.S. Department of Veterans Affairs
Program:
VA Home Loan Guaranty
Change date:
February 22, 2019
Applicable regulations:
38 C.F.R. Part 36; 38 U.S.C. Chapter 37
Referenced forms:
VA Form 26-6393
Intended users:
VA-approved lenders and underwriters
Scope:
Purchase loans and refinance loans, including IRRRLs
Year:
2019–2021
Organization:
National Association of Insurance Commissioners (NAIC)
Working Group:
Accelerated Underwriting (A) Working Group Ad Hoc Drafting Subgroup
Subject:
Accelerated underwriting in life insurance
Document Type:
Regulatory white paper
Industry:
Life insurance
Geographic Scope:
United States
Related Documents:
New York Circular No. 1; NAIC Principles on Artificial Intelligence (AI); Casualty Actuarial and Statistical (C) Task Force Regulatory Review of Predictive Models White Paper
Key Topics:
External data usage; Predictive models; Machine learning; Algorithmic testing; Bias and unfair discrimination; Transparency and privacy; Regulatory recommendations
Target Audience:
State regulators and life insurers
Period Covered:
Current industry practices as of 2019–2021
Year:
2021
Region / City:
United States
Topic:
Life Insurance, Accelerated Underwriting, Machine Learning, Artificial Intelligence
Document Type:
Working Group Report
Organization / Institution:
National Association of Insurance Commissioners (NAIC)
Author:
Accelerated Underwriting (A) Working Group
Target Audience:
Regulators, Insurers, Industry Stakeholders
Effective Period:
2019-2021
Approval Date:
2021
Date of Changes:
N/A
Year:
2023
Region / City:
Massachusetts
Theme:
Job Posting
Document Type:
Job Listing
Organization:
Massachusetts Property Insurance Underwriting Association
Author:
Human Resources Department
Target Audience:
Job Seekers
Period of Action:
Ongoing
Approval Date:
Not specified
Modification Date:
Not specified
Position summary:
Job posting for an Operations Associate position at Massachusetts Property Insurance Underwriting Association, detailing job responsibilities, qualifications, and requirements.
Organization:
WFG National Title Insurance Company
Department:
Underwriting Department
Document Type:
Underwriting Bulletin
Bulletin Number:
National 2018-01
Date:
February 7, 2018
Subject:
Servicemembers’ Civil Relief Act (SCRA) following Foreclosure of Mortgage/Deed of Trust
Addressees:
All Policy Issuing Agents
Geographic Scope:
United States
Legislative Reference:
Servicemembers’ Civil Relief Act (SCRA)
Regulatory Context:
Foreclosure restrictions following military service
Effective Standard:
Confirmation of compliance required if foreclosed owner was in military service within one year prior to completion of foreclosure
Year:
2026
Region / City:
USA
Theme:
Underwriting
Document Type:
Internal Wiki Guide
Organization / Institution:
WFG National Title
Author:
Not specified
Target Audience:
Underwriting team members
Period of Action:
Ongoing
Approval Date:
Not specified
Date of Changes:
Not specified
Year:
2026
Location:
Massachusetts, USA
Topic:
Insurance Claims Examination
Document Type:
Job Posting
Organization:
Massachusetts Property Insurance Underwriting Association
Position:
Examiner II
Department:
Claims
Employment Type:
Full-Time
Salary Range:
$68,600-$103,000
Requirements:
College degree or prior property claims experience, Rhode Island Property Casualty Adjuster license, strong analytical and communication skills
Reporting To:
Property Claims Manager
Work Arrangement:
Hybrid
Benefits:
401(k) matching program, pension program, health benefits
Equal Opportunity:
Yes
Document Type:
Insurance application form
Subject:
Protective services operations and liability insurance underwriting
Industry:
Security and protective services
Purpose:
Collection of underwriting information for insurance risk evaluation
Applicant Information:
Business identity, principals, contact details, mailing and risk address
Business Information:
Year established and years of experience
Regulatory Status:
Licensing status and compliance with license conditions
Operational Practices:
Employee background checks, privacy policy, subcontractor insurance verification, written contracts with clients
Service Categories:
Alarm and fire suppression systems, private investigations, guard services, other related services
Financial Information:
Revenues by service category and subcontracted work
Operational Compliance:
Product approvals, written operating instructions, supervisory inspections
Monitoring Operations:
Monitoring station operations, backup power, operator training, ULC listing, secured facility requirements
Client Sectors:
Services potentially provided to government, military, and airport properties
Loss History:
Insurance claims within the last five years
Insurance History:
Existing liability, errors and omissions, and property insurance policies
Coverage Request:
Requested limits for commercial general liability, tenants legal liability, employer’s liability, non-owned automobile liability, errors and omissions, and property coverage
Geographic Scope:
Canada and possible services outside Canada