This document outlines various federal laws pertaining to loan origination activities, including laws around consumer privacy, fair lending, fraud, identity theft, and anti-money laundering. It discusses the Gramm-Leach-Bliley Act, Privacy Rule, Home Mortgage Disclosure Act, Fair Credit Reporting Act, E-SIGN Act, Bank Secrecy Act, and USA PATRIOT Act. The document is divided into sections covering laws related to consumer privacy, fair lending, fraud and identity theft, and provides an overview of the requirements and regulations of each.

1. Module 3: Other Federal Laws Pertaining to
Loan Origination Activities

2. Module 3: Other Federal Laws Pertaining to Loan
Origination Activities
3.1 Laws Pertaining to Consumer Privacy
 Gramm-Leach-Bliley Act (GLB)
 Privacy Rule (Regulation P)
 Privacy Notices
 Prohibition Against Disclosing Account Numbers
 Safeguard Rule
 Pretexting - Fraudulent Access to Financial Information

3. Module 3: Other Federal Laws Pertaining to Loan
Origination Activities
3.1 Laws Pertaining to Consumer Privacy
 Do-Not-Call / Telemarketing
 Telephone Consumer Protection Act
 Do-Not-Call Registry
 Do-Not-Call Rules
 Unsolicited Commercial Faxes
 Telemarketing and Consumer Fraud Abuse Prevention Act
 FTC’s Telemarketing Sales Rule
 Who Must Comply with the TSR?
 Requirements for Sellers and Telemarketers

4. Module 3: Other Federal Laws Pertaining to Loan
Origination Activities
3.2 Laws Pertaining to Fair Lending
 Home Mortgage Disclosure Act (HMDA)
 Regulation C
 HMDA Rule Amends Reg. C
 Covered Institutions
 Covered Transactions
 Reportable Loan-Level Data
 Collection and Reporting of Applicant Information
 Enforcement Provisions
 Mortgage Acts and Practices – Advertising, 12 CFR Part 1014 (Regulation N)
 Prohibited Representations
 Recordkeeping Requirements

5. Module 3: Other Federal Laws Pertaining to Loan
Origination Activities
3.3 Laws Pertaining to Fraud & Identity Theft
 Fair Credit Reporting Act / Fair and Accurate Credit Transactions Act
 Permissible Purposes of Consumer Reports
 Consumer Access
 Consumers’ Rights
 Identity Theft Prevention
 Section 114 of FACTA – Red Flag Rules
 Categories of Red Flags

6. Module 3: Other Federal Laws Pertaining to Loan
Origination Activities
3.3 Laws Pertaining to Fraud & Identity Theft
 E-Signature Laws—UETA and E-SIGN
 Uniform Electronic Transactions Act (UETA)
 Electronic Signatures in Global and National Commerce Act (E-Sign)
 What is an e-Signature?
 Intent to Sign
 Signature Associated with the Record
 Bank Secrecy Act/Anti-Money Laundering (BSA/AML)
 USA PATRIOT Act
 Lending Institutions Covered by Title III of the Patriot Act
 Anti-Money Laundering Programs for Loan Companies