1HR SAFE CE Redesigned URLA Module 2
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The document discusses the revised Uniform Residential Loan Application (URLA) and new Uniform Loan Delivery Dataset (ULAD). The objectives of revising the URLA were to collect more relevant information for underwriting, improve the consumer-friendly format and layout, and define a compliant dataset. The timeline outlines an optional use period from July 2019 to January 2020, a pipeline transition period from February 2020 to January 2021, and mandatory use starting in February 2021. The redesigned URLA includes the core application and additional forms for extra borrowers, unmarried applicants, lender loan information, and continuation sheets.
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This document discusses selected topics from Regulation Z and the Equal Credit Opportunity Act (ECOA)/Regulation B related to federal mortgage laws. It covers refinancings, higher-priced mortgage loans, canceling escrow accounts, appraisal requirements and disclosures under Regulation Z. It also addresses handling credit applications, evaluating borrowers' income, extending credit, application denials, record keeping, enforcement and prohibiting disparate treatment under the ECOA.
Safe-7HR-CE-19 Module 1
This document outlines the key topics covered in Module 1 on federal mortgage-related laws, including:
1) The TILA-RESPA Integrated Disclosure Rule (TRID) and the types of loans that use integrated versus existing disclosures.
2) Requirements for providing the Loan Estimate, including timing, tolerances, revised estimates, and expiration.
3) Requirements for providing the Closing Disclosure, including timing, waiting periods, revisions, and record keeping.
4) Exceptions for providing the Your Home Loan Toolkit special information booklet for certain loan types like HELOCs and reverse mortgages.
Safe 1 HR-CA-DBO Module 3
The document discusses the California Homeowner Bill of Rights, which was established in 2013 and amended in 2018. The 2013 version established key provisions restricting dual track foreclosures, requiring a single point of contact for borrowers, verifying documents, and protecting tenants. The 2018 changes modified several sections, including lowering the bar for staying a foreclosure and specifying that borrowers only have a private right of action for certain code violations.
Safe 1 HR-CA-DBO Module 2
This document provides a review of the California Financing Law (CFL) in three sections. Section 1 discusses when a California finance lenders license is required and exemptions. Section 2 covers requirements for licensed lenders, including record keeping, reporting, bonding, net worth, and regulatory audits. Section 3 addresses the authority of the DBO Commissioner, prohibited acts, advertising rules, and how violating federal laws also violates the CFL.
Safe 1 HR-CA-DBO Module 1
The document discusses California's Residential Mortgage Lending Act (CRMLA), including when a license is required, exemptions, requirements after licensure such as supervision, reporting, assessments, and surety bonds. It also covers prohibited acts under CRMLA such as false statements, violations of federal law, and advertising restrictions. The Commissioner of the California Department of Business Oversight has disciplinary authority and can take actions such as suspending or barring employment, issuing citations, requiring restitution, imposing civil penalties, or initiating criminal proceedings.
Safe 1 hr-ce-home possible 18 module 2
This document compares the Home Possible and Home Possible Advantage affordable home loan programs. It outlines the guidelines for loan-to-value ratios, property eligibility, down payment requirements, loan terms, and cash reserves for each program. The Home Possible program has more flexible guidelines and allows manufactured homes and adjustable rate mortgages. The Home Possible Advantage program has higher maximum loan-to-value ratios but is limited to one-unit primary residences with fixed-rate financing.
Module 2
This 1-hour continuing education module discusses regulations for mortgage licensees under the Mortgage Broker Practices Act (MBPA) and Consumer Loan Act (CLA). It covers regulating loan originators and mortgage brokers, their office locations, and consumer loan companies. Reporting requirements, advertising restrictions, recordkeeping obligations, and the examination and enforcement authority of the Department of Financial Institutions are also reviewed. The module concludes by detailing various prohibited business practices that can result in license revocation or disciplinary action.
Module 1
This document provides an overview of mortgage industry regulation in Washington state. It discusses the Washington Department of Financial Institutions and the statutes and regulations that govern entities involved in mortgage origination, including the Mortgage Broker Practices Act, Consumer Loan Act, and relevant sections of Washington Administrative Code. The document also outlines the licenses regulated by the DFI, including requirements for loan originators, mortgage brokers, and consumer loan companies.
Module 6
This document discusses various nontraditional VA mortgage programs, including adjustable-rate mortgages (ARMs), graduated payment mortgages (GPMs), growing equity mortgages (GEMs), construction loans, energy efficient mortgages, loans for repairs and alterations, joint loans, farm residence loans, loans for manufactured homes, and loans on trust lands. It also covers housing grants for disabled veterans, such as Specially Adapted Housing (SAH) grants and Special Housing Adaptation (SHA) grants. The document provides details on eligibility requirements, loan terms, underwriting considerations, and application processes for these different VA mortgage and housing assistance programs.
Module 5
This document discusses nontraditional VA mortgage programs, including the benefits of VA-guaranteed home loans, eligibility requirements for VA loans such as military service periods and qualifying properties, underwriting guidelines that examine borrowers' income, credit, and debt ratios, and information on the Interest Rate Reduction Refinance Loan including eligibility and application process.
Module 4
This document discusses various types of mortgage fraud schemes that are prosecuted at the federal level, including falsifying loan applications and appraisals, mail and wire fraud, bank fraud, and money laundering. It also describes different fraudulent activities like income and asset fraud, undisclosed debt fraud, occupancy fraud, and employment fraud. Mortgage fraud rings can engage in illegal property flipping, using straw buyers and piggybacking, as well as property flopping and rigging foreclosure bids. Additionally, the document outlines phantom help scams involving short sale scams, loan modification scams, mortgage rescue scams, and equity share scams.
Module 3
This document discusses ethics, fair lending practices, and mortgage fraud. It covers ethical lending standards, predatory lending practices like kickbacks, and how lenders can combat mortgage fraud by looking for red flags and filing suspicious activity reports. It also discusses the CFPB complaint process for consumers and the CFPB's enforcement actions against financial institutions for violations of consumer protection laws.
Module 1
The document provides an overview of the Home Mortgage Disclosure Act (HMDA) and Regulation C. It discusses the history of HMDA and key changes over time, including the transfer of rulemaking authority to the CFPB in 2010. It also summarizes the major provisions of the 2015 HMDA Rule, including expanded coverage of institutions and transactions, additional loan-level data requirements, and annual reporting deadlines.
Safe 1 hr-az-ce m2
This 1-hour AZ SAFE continuing education course covers compliance concerns for mortgage brokers, bankers, and loan originators related to advertising, disclosures, agreements, and federal regulations. It also discusses prohibited mortgage fraud acts and potential disciplinary actions, penalties, fines, and criminal or civil liability that can result from violations of laws and regulations.
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