H
HECM - Home Equity Conversion Mortgage (reverse mortgage - arrangement whereby a homeowner borrows against home equity and receives regular payments (tax-free) from the lender)
HELCPA - Home Equity Lines of Credit Protection Act (legislation strengthening the Truth in Lending Act (TILA))
HELOC - Home Equity Line of Credit (loan secured by equity value in a borrower's home)
HIDTA - High Intensity Drug Trafficking Areas (geographic locations considered to be at a higher risk for money laundering activity because of serious drug trafficking problems under the BSA/AML)
HIFCA - High Intensity Financial Crime Areas (geographic locations considered to be at a higher risk for money laundering activity because of financial crime problems under the BSA/AML)
HMDA - Home Mortgage Disclosure Act of 1975 (act passed by Congress requiring lending institutions to report data that is used to determine if financial institutions are serving the housing needs of their communities)
HMI - Housing Market Index (weighted, seasonally-adjusted statistic derived from ratings for present single family sales, single family sales in the next six months, and buyers traffic)
HOEPA - Home Ownership and Equity Protection Act of 1994 (amended the Truth in Lending Act (TILA) to require additional disclosures)
HOLA - Home Owners' Loan Act of 1933 (law that established the savings association charter and provides the rules for their supervision and regulation)
HSA - health savings account (tax-advantaged savings plan that covers current and future medical expenses)
HUD - Department of Housing and Urban Development (cabinet-level federal agency, founded in 1965, that promotes housing development in the US through direct loans, mortgage insurance, and guarantees)