HOEPA is part of which sections?

The Home Ownership and Equity Protection Act (HOEPA) is indeed primarily addressed in Section 32 and Section 35 of the Truth in Lending Act (TILA). This legislation was enacted to protect consumers from unfair lending practices, particularly in high-cost home loans.

Section 32 of HOEPA establishes requirements and protections for high-cost mortgage loans, mandating disclosures and prohibiting certain practices to prevent predatory lending. Section 35 further enhances the regulations by imposing additional restrictions on creditors and ensuring that borrowers are more informed about the terms of their loans. By focusing on these sections, HOEPA provides a legal framework aimed at safeguarding consumers and enhancing transparency in the mortgage industry.

The other options refer to sections that do not pertain specifically to HOEPA, making them less relevant in the context of this question.