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Home > Statutes > Usa Maine
USA Statutes : maine
Title : Title 09-A. MAINE CONSUMER CREDIT CODE
Chapter : Article IX. CONSUMER CREDIT TRANSACTIONS SECURED BY FIRST-LIEN MORTGAGES (HEADING. PL 1987, c. 396, @12 (new))
Title 9-A - §9-101. Scope

Title 9-A: MAINE CONSUMER CREDIT CODE
Article IX: CONSUMER CREDIT TRANSACTIONS SECURED BY FIRST-LIEN MORTGAGES (HEADING: PL 1987, c. 396, @12 (new))
Part 1: GENERAL PROVISIONS (HEADING: PL 1987, c. 396, @12 (new))

§9-101. Scope

This article applies to all consumer credit transactions made by creditors that are not supervised financial organizations, that are secured by a first-lien mortgage on real estate. [1987, c. 396, § 12 (new).]

Section History:
PL 1987,
Ch. 396,
§12 (NEW).
The Revisor's Office cannot provide legal advice or interpretation of Maine law to the public. If you need legal advice, please consult a qualified attorney.
Office of the Revisor of Statutes
7 State House Station
State House Room 108
Augusta, Maine 04333-0007§9-201. Authority to make supervised loans; licensingTitle 9-A - §9-201. Authority to make supervised loans; licensing

Title 9-A: MAINE CONSUMER CREDIT CODE
Article IX: CONSUMER CREDIT TRANSACTIONS SECURED BY FIRST-LIEN MORTGAGES (HEADING: PL 1987, c. 396, @12 (new))
Part 2: LICENSING (HEADING: PL 1987, c. 396, @12 (new))

§9-201. Authority to make supervised loans; licensing

The provisions of article II, part 3, sections 2-301 to 2-304 shall control the authority of supervised lenders that are not supervised financial organizations, to make loans governed by this article. [1987, c. 396, § 12 (new).]

Section History:
PL 1987,
Ch. 396,
§12 (NEW).
The Revisor's Office cannot provide legal advice or interpretation of Maine law to the public. If you need legal advice, please consult a qualified attorney.
Office of the Revisor of Statutes
7 State House Station
State House Room 108
Augusta, Maine 04333-0007Title 9-A - §9-303. Consumer's choice of title attorney in consumer credit transactions secured by real estate

Title 9-A: MAINE CONSUMER CREDIT CODE
Article IX: CONSUMER CREDIT TRANSACTIONS SECURED BY FIRST-LIEN MORTGAGES (HEADING: PL 1987, c. 396, @12 (new))
Part 3: REGULATION OF AGREEMENTS AND PRACTICES (HEADING: PL 1987, c. 396, @12 (new))

§9-303. Consumer's choice of title attorney in consumer credit transactions secured by real estate

1. Every creditor, which accepts an application for consumer credit transaction involving one to 4 residential units and which requires that an attorney search the title of the subject real estate, shall permit the prospective mortgagor to select a qualified attorney of his own choice to search the title of the subject real estate and certify that title to the creditor or land title insurance company, provided that the creditor may require the prospective mortgagor's attorney to provide it with evidence of adequate liability insurance or land title insurance or such other written policy requirements as the creditor may deem necessary to protect its interests, provided that if all such requirements are met by the attorney chosen by the mortgagor, no additional legal costs may be assessed by the creditor against the mortgagor for review of the title search or any other relevant title documents by the creditor, its title company or attorney. [1987, c. 396, § 12 (new).]


2. Every creditor subject to this section shall provide written notice to the prospective mortgagor that he has the right to select a qualified attorney of his own choice for the performance of title work. The notice shall inform the prospective mortgagor that if the attorney chosen by the mortgagor meets the creditor's requirements, then no additional fees may be charged to the mortgagor for title work. If the prospective mortgagor indicates on the written notice that he does not wish to exercise his right to select an attorney, then the creditor may recommend an attorney. [1987, c. 396, § 12 (new).]


3. Nothing in this section may be construed to require certification of title to a creditor if that creditor does not so require, or to a land title insurance company if that company does not so require. [1987, c. 396, § 12 (new).]


Section History:
PL 1987,
Ch. 396,
§12 (NEW).
The Revisor's Office cannot provide legal advice or interpretation of Maine law to the public. If you need legal advice, please consult a qualified attorney.
Office of the Revisor of Statutes
7 State House Station
State House Room 108
Augusta, Maine 04333-0007Title 9-A - §9-305-A. Timely payments from escrow

Title 9-A: MAINE CONSUMER CREDIT CODE
Article IX: CONSUMER CREDIT TRANSACTIONS SECURED BY FIRST-LIEN MORTGAGES (HEADING: PL 1987, c. 396, @12 (new))
Part 3: REGULATION OF AGREEMENTS AND PRACTICES (HEADING: PL 1987, c. 396, @12 (new))

§9-305-A. Timely payments from escrow

A creditor, assignee or servicer that holds or controls funds of a consumer in an escrow account for the payment of taxes or insurance premiums shall make timely payments from that escrow account for a consumer credit transaction secured by a mortgage on real estate. A creditor, assignee or servicer is liable to the consumer for actual damages resulting from failure to make timely payments from that escrow account. The creditor, assignee or servicer shall also rectify the results of a failure to make timely payments, including causing corrections of the consumer's credit report and causing the discharge of any liens against the consumer's real estate. [2005, c. 206, §3 (new).]

Section History:
PL 2005,
Ch. 206,
§3 (NEW).
The Revisor's Office cannot provide legal advice or interpretation of Maine law to the public. If you need legal advice, please consult a qualified attorney.
Office of the Revisor of Statutes
7 State House Station
State House Room 108
Augusta, Maine 04333-0007
 
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