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.
HOEPA protections would be triggered where: 1  The loanâs annual percentage rate (âAPRâ) exceeds the average prime offer rate by 6.5% for most first-lien loans, or by more than 8.5% for a first mortgage loan where the dwelling is personal property and the loan is for less than $50,000.