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Addendum To Loan Agreement for the United States

Addendum To Loan Agreement Template for United States

An Addendum to Loan Agreement is a legal document used in the United States to modify or amend the terms of an existing loan agreement. It serves as a supplementary document that changes specific provisions while keeping the original agreement intact. The document must comply with federal lending laws, state-specific regulations, and the Uniform Commercial Code (UCC) requirements applicable in the relevant U.S. jurisdiction.

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What is a Addendum To Loan Agreement?

An Addendum To Loan Agreement is utilized when parties need to modify terms of an existing loan without creating an entirely new agreement. Common scenarios include changing payment terms, interest rates, security arrangements, or loan maturity dates. The document must adhere to U.S. federal regulations including the Truth in Lending Act and state-specific lending laws. This addendum serves as a legally binding modification to the original agreement, documenting all changes while affirming that unmodified terms remain in effect.

What sections should be included in a Addendum To Loan Agreement?

1. Parties: Identification of lender and borrower, including full legal names and addresses

2. Background: Reference to original loan agreement including date, parties, and reason for addendum

3. Definitions: Key terms used in the addendum and their meanings

4. Amendments: Specific modifications to original agreement, clearly stating the changes being made

5. Effect on Original Agreement: Statement confirming all other terms of the original agreement remain in full force and effect

6. Governing Law: Specification that the addendum is governed by United States law and applicable state laws

What sections are optional to include in a Addendum To Loan Agreement?

1. Changed Payment Terms: Modifications to payment schedule, amounts, or methods of payment

2. Security Modifications: Changes to collateral arrangements or security provisions

3. Interest Rate Adjustments: Modifications to interest rates, calculation methods, or interest-related terms

What schedules should be included in a Addendum To Loan Agreement?

1. Modified Payment Schedule: Updated amortization table or payment timeline showing revised payment structure

2. Modified Security Details: Updated collateral information and security arrangements if applicable

3. Revised Terms Summary: Comprehensive summary of all modifications made to the original agreement

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓÆµ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Jurisdiction

United States

Cost

Free to use
Clauses




















Industries

Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about loan terms and costs, ensuring transparency in consumer credit transactions.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance program participation.

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information, including requirements for loan modifications.

Consumer Credit Protection Act: Comprehensive federal legislation that includes various consumer credit protections, including regulations on credit terms and practices.

Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices and protecting borrowers from abusive collection methods.

Dodd-Frank Wall Street Reform: Federal legislation that established enhanced consumer protection standards and financial industry regulations, including loan modification requirements.

State Usury Laws: State-specific regulations that set maximum interest rates and define usurious lending practices within each jurisdiction.

Uniform Commercial Code: Standardized set of laws governing commercial transactions, particularly Article 3 (Negotiable Instruments) and Article 9 (Secured Transactions).

Property and Mortgage Laws: State and federal regulations governing secured loans, property rights, and mortgage requirements for loan modifications.

Commercial Finance Laws: Specific regulations governing business and commercial lending, including disclosure requirements and borrower protections.

Securities Laws: Federal and state regulations that may apply if the loan modification involves securities or securitized loans.

Bankruptcy Laws: Federal laws affecting loan modifications in the context of bankruptcy proceedings and creditor rights.

IRS Regulations: Tax implications and requirements related to loan modifications, including potential income recognition and reporting obligations.

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer lending practices, loan servicing, and modification requirements.

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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