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 The following items are included in the manual:

·                     Homeowners Protection Act

·                     Requirements of the Act

·                     Loans covered by the Act

·                     Borrower Cancellation

·                     Automatic Termination

·                     Final Termination

·                     Chart comparing HPA, Fannie Mae, and Freddie Mac

            requirements

·                     PMI Disclosure Statements

·                     Sample letters to borrowers

·                     Cancellation and Termination of MIP

·                     HUD Mortgagee Letters

·                     Updated Consumer Disclosures

·                     Informed Consumer Choice Disclosure Statement

·                     Glossary and more