National Residential Mortgage Loan Originator
CATEGORY: Federal Laws

Consumer Protection and Other Federal Laws

Course Access: Lifetime
Course Overview


  1. Red Flags Rule
    1. Federal
      Trade Commission
  2. Homeowner and Economic Recovery
    Act (HERA)

    1. Disclosure
      Provisions of the HPA
  3. Higher Priced Mortgage Loans HPML
    1. Definition
    2. Restrictions
  4. Dodd-Frank Wall Street Reform and
    Consumer Protection Act

    1. Bureau
      of Consumer Financial Protection
    2. Homeownership
    3. Qualified
      Mortgage Rules
    4. Ability
      to repay
    5. Loan
      Officer Compensation Rules
    6. Originator
  5. TILA-RESPA Integrated Disclosures

    1. Loan
    2. Definition
      of a “Loan Application”
    3. Change
      of circumstances
    4. Disclosures
  6. General Predatory Lending Laws And

Learning Objectives 

  1.         Understand the purpose of the Red Flag Rules.
  2.         Understand the purpose of the Community
    Reinvestment Act.
  3.         Understand the purpose of the Home Mortgage
    Disclosure Act.
  4.         Understand the USA Patriot Act.
  5.         Understand the Dodd-Frank Wall Street Reform
    and Consumer Protection Act.
  6.         Understand the purpose of the Deceptive Trade
    Practices Act.
  7.         Understand the Flood Protection Act.
  8.         Understand the purpose of the Homeowner
    Protection Act.

Teaching Methods:

Power Points, Video PowerPoint Presentation and Quiz

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