Outline Ethical and Legal Considerations National Association of Mortgage Brokers Code of Ethics Ethics in Advertising Discrimination Protected Classes Prohibited Practices Other Types of Discrimination Disclosure and Privacy Truth in Lending Act (Regulation Z) TRID Disclosures Learning Objectives     …

Outline Ethics and RESPA Real Estate Settlement Procedures Act (RESPA) Section 8 Kickback Prohibition  Ethics and Protection of Data Gramm-Leach-Bliley Act Fair Credit Reporting Act and the FACT Act Learning Objectives       Understand the requirements about RESPA     …

Outline Ethics and Mortgage Fraud Fraud and Conspiracies Fraud for Profit Housing Fraud Red Flags of Mortgage Fraud Transaction Fraud Fraud Participants  Appraisal Independence Flipping Other Types of Mortgage Fraud Penalties for Mortgage Fraud Excessive Fees Common Predatory Lending Ploys  …