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.
Under the final rules, high-cost loans subject to HOEPA have to meet the following additional requirements: 1  Balloon payments are prohibited, with certain exceptions. 2  Prepayment penalties and the financing of points and fees are prohibited. 3  Late fees are restricted to 4 4 %. Fees for providing payoff statements are restricted.