Definition. Dyslexia is a learning disorder characterized by difficulty reading due to problems identifying speech sounds and learning how they relate to letters and words.Also called specific reading disability, dyslexia is a common learning disability in children.Dyslexia occurs in children with normal vision and intelligence.efinition. Dyslexia is a learning disorder characterized by difficulty reading due to problems identifying speech sounds and learning how they relate to letters and words.
HOEPA was enacted in 1994 to address abusive practices in refinancing loans and home-equity loans having high interest rates or high fees. Loans covered by HOEPA are subject to special disclosure requirements and substantive restrictions on loan terms.
According to recent mortgage lending data, most lenders do not extend HOEPA loans. For example, the 2013 HMDA data indicate that 428 lenders (out of a total of 7,190 HMDA reporters) extended 1,873 HOEPA loans, which accounts for less than 2 percent of all refinance and home-improvement loans.