Massachusetts AG issues rule on shared appreciation mortgages, NCLC calls for broader protections

Educational

HousingWire reports that the Massachusetts Attorney General has issued new rules governing shared appreciation mortgages, a financing structure where lenders take a stake in future home price gains rather than charging traditional interest. The National Consumer Law Center endorsed the safeguards while cautioning that comparable risks remain embedded in home equity investments, which fall outside the rule's direct scope. The development signals growing regulatory attention to alternative equity-sharing products that sit outside conventional mortgage frameworks.

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