Sentences with phrase «early settlements estimated»

This small country has a long history, with early settlements estimated to have been from 5200 BC.

Not exact matches

David Wilkinson of Liverpool John Moores University and Graeme Ruxton of the University of St Andrews, both in the UK, used population estimates from the early settlement of Polynesia to model the likely success of island settlement attempts in human prehistory.

Researchers estimate that at the time of European settlement in the early 1600s, the land that was to become the lower 48 U.S. states had 221 million acres of wetlands.

At the Bureau's Quantitative Study, consumer participants using the Loan Estimate and Closing Disclosure performed statistically significantly better than the consumer participants using the current RESPA GFE, early TILA disclosure, RESPA settlement, and final TILA disclosure at comparing their estimated and final terms and costs.

Under TILA and RESPA, a creditor or mortgage broker is not required to provide the good faith estimates of loan terms and settlement costs in the early TILA disclosure and RESPA GFE until it has received an «application.»

Further, with respect to the argument that RESPA permits a creditor to provide consumers with an estimate of settlement costs, rather than requiring a creditor to disclose the exact amount of a settlement charge early in the loan origination process, the Bureau observes that the final rule incorporates the current tolerance rules» exceptions (i.e., the amount of settlement charges subject to the zero percent tolerance category, as well as the ten percent tolerance category, may change due to events such as changed circumstances and borrower - requested changes).