Respa regulation x - Study guides, Class notes & Summaries
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NMLS 2024 Exam Questions with Correct Answers
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NMLS 2024 Exam Questions with Correct Answers 
 
What law deals with credit, APR & advertising of consumer loans? - Answer-TILA/REGULATION Z 
 
Which regulation prohibits kickbacks? - Answer-RESPA 
 
Which regulations requires the lender to cancel PMI when the loan reaches 78% LTV? - Answer-HPA - Homeowners Protection Act 
 
Which regulation prohibits fee splitting? - Answer-RESPA 
 
Regulation X is the letter used to describe which Law? - Answer-RESPA 
 
RESPA is the acronym used to describe w...
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NMLS TEST-Affinity Questions and Answers 100% Correct
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NMLS TEST-Affinity Questions and Answers 100% Correct 
 
 
NMLS TEST-Affinity Questions and Answers 100% Correct 
 
 
NMLS TEST-Affinity Questions and Answers 100% Correct 
 
 
NMLS TEST-Affinity Questions and Answers 100% Correct 
 
 
What law deals with credit, APR & Advertising of consumer loans? - ANSWER-TILA 
 
Which regulation prohibits kickbacks? - ANSWER-RESPA 
 
Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? - ANSWER-HPA-Homeowners Protection Act 
 
Wh...
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MLO Test Prep | Questions with 100% Correct Answers | Verified | Latest Update 2024
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1.) Who does the CFPB protect? 
2.) What does the CFPB do? - 1.) The Consumer Financial Protection Bureau protects consumers in 
the financial marketplace. 
2.) CFPB is now in charge of implementing and enforcing most of the provisions of federal lending laws 
that relate to protecting consumers while they are shopping for, securing, and paying off mortgages. 
What is the purpose of RESPA? (3 things) - 1.) a.Protect consumers from excessive settlement costs 
and unearned fees 
b.Limit the amount...
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NMLS TEST-Affinity Study Practice Questions 2024.
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NMLS TEST-Affinity Study Practice Questions 2024.What law deals with credit, APR & Advertising of consumer loans? - correct answer TILA 
 
Which regulation prohibits kickbacks? - correct answer RESPA 
 
Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? - correct answer HPA-Homeowners Protection Act 
 
Which Regulation prohibits fee splitting? - correct answer RESPA 
 
Regulation X is the letter used to describe which law? - correct answer RESPA 
 
RESPA is the acr...
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MORTGAGE LOAN ORIGINATOR EXAM 2024 WITH 100% CORRECT ANSWERS
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MORTGAGE LOAN ORIGINATOR EXAM 2024 WITH 100% CORRECT ANSWERS 
 
What does RESPA stand for? - correct answer The Real Estate Settlement Procedures Act (Regulation X) 
 
What does ECOA stand for? - correct answer Equal Credit Opportunity Act (Regulation B) 
 
What does TILA stand for? - correct answer Truth In Lending Act (Regulation Z) 
 
What does TRID stand for? - correct answer TILA-RESPA Integrated Disclosure Rule (a.k.a. "Know Before You Owe") 
 
What does CFPB stand for? - correct answer ...
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Mortgage Loan Originator Test | 100% Correct Answers | Verified | Latest 2024 Version
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What does RESPA stand for? - The Real Estate Settlement Procedures Act (Regulation X) 
What does ECOA stand for? - Equal Credit Opportunity Act (Regulation B) 
What does TILA stand for? - Truth In Lending Act (Regulation Z) 
What does TRID stand for? - TILA-RESPA Integrated Disclosure Rule (a.k.a. "Know Before You Owe") 
What does CFPB stand for? - Consumer Financial Protection Bureau 
What does NMLS stand for? - Nationwide Mortgage Licensing System and Registry 
What is SAFE and UST? - Secure...
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NMLS Exam Study Guide: RESPA Questions and Answers 2024
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NMLS Exam Study Guide: RESPA Questions and Answers 2024 
Real Estate Settlement Procedures Act (RESPA) 
This act provides consumer protection for loans on residential properties of 1-4 units. 
 
 
 
Nothing of Value 
__________ can be given in exchange for the referral of business with the exception of real estate brokerage firms that are allowed to exchange referrals between themselves. 
 
 
 
 
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MLO Test Prep | Questions with 100% Correct Answers | Verified | Latest Update 2024 | 34 Pages
- Exam (elaborations) • 34 pages • 2023
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1.) Who does the CFPB protect? 
2.) What does the CFPB do? - 1.) The Consumer Financial Protection Bureau protects consumers in 
the financial marketplace. 
2.) CFPB is now in charge of implementing and enforcing most of the provisions of federal lending laws 
that relate to protecting consumers while they are shopping for, securing, and paying off mortgages. 
What is the purpose of RESPA? (3 things) - 1.) a.Protect consumers from excessive settlement costs 
and unearned fees 
b.Limit the amount...
-
NMLS Exam Questions and Answers 100% Correct
- Exam (elaborations) • 130 pages • 2023
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NMLS Exam Questions and Answers 100% Correct 
 
NMLS Exam Questions and Answers 100% Correct 
 
NMLS Exam Questions and Answers 100% Correct 
 
NMLS Exam Questions and Answers 100% Correct 
 
3 - ANSWER-Most RESPA disclosures must be sent within ___ days from application 
 
Initial Escrow Statement - ANSWER-What document is typically delivered at settlement, yet a lender has 45 days from settlement to deliver it? 
 
X - ANSWER-RESPA is also known as Regulation ___ 
 
1. Loan Terms 
2. Projected...
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NMLS Exam Study Questions with Correct Answers.docx
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NMLS Exam Study Questions with Correct A 
Title XIV (Mortgage Reform and Anti-Predatory Lending Act) - Answer-- Requires MLOs to apply new minimum qualifying standards & defines a new category of "qualified" loans. 
-Requires verification/documentation of the borrower's ability to repay the loan. 
-Establishes penalties for irresponsible lending, including extended foreclosure defense for borrowers. 
 
Title X (Consumer Financial Protection Act of 2010) - Answer-Provides broad authority to en...
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