As if escrows were not enough, the mortgage industry is still grappling with the effects of the Rodash decision.

The 11th Circuit Court ruled in Rodash v. AIB Mortgage Co. held that a home-equity lender provided inadequate Truth-in-Lending disclosures when it failed to include a delivery charge and the Florida intangibles tax in the finance-charge disclosure and thus provided the borrower with a defective notice of right to cancel.

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