In most states, there is a gold or black star on the front of the REAL ID license that signifies compliance. If you see one of these stars, then you’re good to go. There are 5 states — Michigan, Minnesota, New York, Vermont, and Washington — that issue enhanced driver’s licenses...
The risk of "losing your home" in the HOEPA disclosure may be a good example of a catastrophic risk in the mind of a consumer. One survey of stressful life events places losing a home to foreclosure as one of the top 10 most stressful life events, even ahead of a divorce (Hobson, ...
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