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    News

    COMMISSIONER GONZALES ANNOUNCES MAXIMUM EFFECTIVE RATE of INTEREST

    Tuesday, June 06, 2023 | 02:41pm

    The Federal National Mortgage Association has discontinued its free market auction system for commitments to purchase conventional home mortgages. Therefore, the Commissioner of Financial Institutions hereby announces that the maximum effective rate of interest per annum for home loans as set by the General Assembly in 1987, Public Chapter 291, for the month of July, 2023 is 7.87 percent per annum. The rate as set by the said law is an amount equal to four percentage points above the index of market yields of long-term government bonds adjusted to a thirty (30) year maturity by the U. S. Department of the Treasury. For the most recent weekly average statistical data available preceding the date of this announcement, the calculated rate is 3.87 percent.

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    COMMISSIONER GONZALES ANNOUNCES WEEKLY FORMULA RATE JUNE 6, 2023

    Tuesday, June 06, 2023 | 02:31pm

    NASHVILLE--Tennessee Department of Financial Institutions Commissioner Greg Gonzales announced today that the maximum effective formula rate of interest in Tennessee is 12.25 percent per annum. The rate is based on a ceiling of 4 percent over the weekly average prime loan rate of 8.25 percent as published by the Federal Reserve on June 5, 2023.

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    I Feel I Can Conquer The World

    Tuesday, June 06, 2023 | 01:32pm

    NASHVILLE, Tenn. – To the naked eye, Demetrius Dotson looks like any other graduate. With a royal blue cap and gown, complete with a silver 2023 emblem dangling from the tassel - his state issued prison blue uniform is hardly noticeable. But Demetrius’ journey is far from average.

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