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The Truth in Lending Act of 1968 ( TILA) is a piece of federal legislation designed to provide more transparency for consumers who use credit, including credit cards, making it easier for the average consumer to compare loans before choosing. The truth is that hard money loans are asset based lending. Typically, asset based lending for real estate needs is a riskier venture for the lender, resulting in rates ranging up to 18% in annual interest. Community Developments Fact Sheets. Get the key facts on innovative products and services, investment vehicles, and government programs and initiatives related to community development and consumer banking. Interagency Guidance on Subprime Lending March 1, 1999 Contents.
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