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First Year Originator Training Single Payment Plan
This accelerated plan is designed to get you started so that you can complete the program in 6 months by paying upfront: The Plan includes the following courses: Origination Best Practices (Over 20 Sessions on becoming the best originator) – available at 4 sessions per month Molecular Marketing (Available after 5 months) Required Mortgage Compliance Courses: Cyber Security (Available after 5 months) Anti-Money Laundering (Available after 5 months) Additional live webinars and content only for...
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New York State Required Mortgage Compliance Program*
Mortgage Brokers in New York State are now being asked to prove having met specific education requirements. This program includes the minimum requirements for: BSA/Anti-Money Laundering Cybersecurity and Red Flags Truth-In-Lending Act (“TILA”) Real Estate Settlement Procedures Act (“RESPA”) Human Rights and the Fair Housing Act Home Mortgage Disclosure Act (HMDA) Equal Credit Opportunity Act (“ECOA”) (15 U.S.C. section 1691) Compliance Management, Oversight and Reporting Ethical Business Practice This course was created to meet the...
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2025 Mortgage Compliance Workshop*
This workshop encompasses Anti-Money Laundering, Ethical Practices in Mortgages, Cyber Security and Privacy, and other mortgage compliance topics in a flexible format catering to diverse professional needs. Participants can custom select topics, allowing them to tailor their learning experience to their specific interests and requirements in the mortgage industry. This flexibility ensures that each professional gets the most relevant and practical knowledge applicable to their role. Program discounts may be applied for selecting more courses...
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TILA and RESPA Compliance*
In our course on TILA and RESPA, participants will delve into the intricacies of the Truth in Lending Act and the Real Estate Settlement Procedures Act, pivotal U.S. federal laws safeguarding consumers in real estate transactions. We’ll explore TILA’s provisions that mandate clear disclosure of loan terms and costs, enhancing borrower awareness and informed decision-making. The course also examines RESPA’s requirements for transparent settlement cost disclosures and its stance against kickbacks and referral fees equipping...
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Truth in Lending and RESPA
Outline Department of Housing and Urban Development Act HUD’s Mission Federal Housing Administration Truth in Lending Act (TILA) Reg ‘Z’ Disclosures Annual Percentage Rate (APR) Loan Estimate (LE) Finance Charges Tolerances Right of Rescission Advertising Required Disclosures Mortgage Disclosure Improvement Act Amendments Fair Credit Reporting Act (FCRA) Consumer Rights Consumer Reporting Agency Obligations Bank Secrecy Act/ Anti-Money Laundering Financial Institutions Suspicious Activity Reports (SARS) Real Estate Settlement Procedures Act (RESPA) Covered Transactions RESPA Provisions Required Disclosures Loan Estimate (LE) Closing Disclosure (CD) Learning Objectives Understand the purpose of the Truth in Lending Act and...
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Equal Credit Opportunity Act and Other Protections
Outline Laws Prohibiting Discrimination Equal Credit Opportunity Act (ECOA) ECOA Requirements Enforcement Disclosures Fair Housing Act Fair Housing Act Exemptions Fair Housing Violations Discrimination in Mortgage Lending Discriminatory Practices Enforcement Home Mortgage Disclosure Act (HMDA) Reg C Covered Properties Data Reporting Home Ownership and Equity Protection Act (HOEPA) High Cost Loan Triggers Prohibited Practices Required Disclosures Homeowners Protection Act (HPA) Disclosure Provisions of the HPA Gramm-Leach-Bliley Act (GLB Act) Financial Privacy Rule Safeguards Rule E-Sign Act Disclosure Provisions Patriot Act Disclosure Provisions Fair and Accurate Credit Transaction Act (FACT Act) Provisions of the FACT Act...
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Consumer Protection and Other Federal Laws
Outline Red Flags Rule Federal Trade Commission Homeowner and Economic Recovery Act (HERA) Disclosure Provisions of the HPA Higher Priced Mortgage Loans HPML Definition Restrictions Dodd-Frank Wall Street Reform and Consumer Protection Act Bureau of Consumer Financial Protection Homeownership counseling Qualified Mortgage Rules Ability to repay Loan Officer Compensation Rules Originator Qualifications TILA-RESPA Integrated Disclosures (TRID) Loan Estimate Definition of a “Loan Application” Change of circumstances Disclosures General Predatory Lending Laws And UDAAP Learning Objectives Understand the purpose of the Red Flag Rules. ...
