What Types of loans trigger the requirement for a counseling agency to consult with a borrower?

Part of "The Home-ownership and Equity Protection Act (HOEPA)" prohibits a creditor from making a high-cost mortgage loan unless it receives written certification that the borrower has obtained counseling from an approved counselor and mandates a Home-Ownership counseling disclosure.

HUD's Housing Counseling Program, authorized by the Housing and Urban Development Act started in 1968.

Regulation X 1024.20(a)(1) requires lenders to provide a written list of home ownership counseling organizations in the loan applicant's location. The lenders must use the applicant's current five digit zip code to generate a list of the ten closest HUD-approved housing counseling agencies.