What does respa stand for Study guides, Class notes & Summaries
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![NMLS TEST-Affinity Questions and Answers, Graded A+](/docpics/4236281/65a577eab08a6_4236281_121_171.jpeg)
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NMLS TEST-Affinity Questions and Answers, Graded A+
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NMLS TEST-Affinity Questions and Answers, Graded A+ 
What law deals with credit, APR & Advertising of consumer loans? 
TILA 
 
 
 
Which regulation prohibits kickbacks? 
RESPA 
 
 
 
 
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Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? 
HPA-Homeowners Protection Act 
 
 
 
Which Regulation prohibits fee splitting? 
RESPA 
 
 
 
Regulation X i...
![SAFE Mortgage Loan Originator Test - National Component with Uniform State Content Exam Questions With Verified Answers](/docpics/5414830/664f41a47a666_5414830_121_171.jpeg)
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content Exam Questions With Verified Answers
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SAFE Mortgage Loan Originator Test - 
National Component with Uniform State 
Content Exam Questions With Verified 
Answers 
What does UST stand for? - answerUniform State Test 
Who does the CFPB protect? - answerThe Consumer Financial Protection Bureau protects 
consumers in the financial marketplace. 
What does the CFPB do? - answerCFPB 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,...
![NMLS Flashcards 2024 Questions and Answers Graded A+](/docpics/4235564/65a56918775c4_4235564_121_171.jpeg)
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NMLS Flashcards 2024 Questions and Answers Graded A+
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NMLS Flashcards 2024 Questions and Answers Graded A+ 
-AfBA/ABA stands for? 
-What is it? 
-Affiliated Business Arrangement 
-If referring client to another business of yours (1%) then you must disclose ASAP 
 
 
 
Other ways to say "Doc Signing" 
-Loan consummation 
-Loan Settlement 
-Loan Closing 
 
 
 
 
Brainpower 
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What is an escrow account? 
-account holding money for insurance...
![SAFE Mortgage Loan Originator Test - National Component with Uniform State Content | Complete Questions & Answers (100% Correct)](/docpics/2994419/64a0185c0e7ec_2994419_121_171.jpeg)
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content | Complete Questions & Answers (100% Correct)
- Exam (elaborations) • 27 pages • 2023
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content | Complete Questions & Answers (100% Correct) 
SAFE Mortgage Loan Originator Test - National Component with Uniform State Content | Complete Questions & Answers (100% Correct) 
 
What does UST stand for? - ANSWER - Uniform State Test 
 
Who does the CFPB protect? - ANSWER - The Consumer Financial Protection Bureau protects consumers in the financial marketplace. 
 
What does the CFPB do? - ANSWER - CFPB is now in ...
![SAFE MORTGAGE LOAN ORIGINATOR TEST - NATIONAL COMPONENT WITH UNIFORM STATE CONTENT|UPDATED&VERIFIED|100% SOLVED|GUARANTEED SUCCESS](/docpics/3153162/64c5be4f186d2_3153162_121_171.jpeg)
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SAFE MORTGAGE LOAN ORIGINATOR TEST - NATIONAL COMPONENT WITH UNIFORM STATE CONTENT|UPDATED&VERIFIED|100% SOLVED|GUARANTEED SUCCESS
- Exam (elaborations) • 40 pages • 2023
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What does UST stand for? 
Uniform State Test 
 
 
 
Who does the CFPB protect? 
The Consumer Financial Protection Bureau protects consumers in the financial marketplace. 
 
 
 
What does the CFPB do? 
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) 
a.Protect consumers from excessive settlement cost...
![NMLS TEST-Affinity (A+ Graded)](/docpics/3117969/64bdd8933a163_3117969_121_171.jpeg)
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NMLS TEST-Affinity (A+ Graded)
- Exam (elaborations) • 18 pages • 2023
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What law deals with credit, APR & Advertising of consumer loans? correct answers TILA 
 
Which regulation prohibits kickbacks? correct answers RESPA 
 
Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? correct answers HPA-Homeowners Protection Act 
 
Which Regulation prohibits fee splitting? correct answers RESPA 
 
Regulation X is the letter used to describe which law? correct answers RESPA 
 
RESPA is the acronym used to describe which law? correct answers Real ...
![SAFE Mortgage Loan Originator Test - National Component with Uniform State Content with complete solution](/docpics/3233670/64d6965d6bf34_3233670_121_171.jpeg)
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content with complete solution
- Exam (elaborations) • 24 pages • 2023
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content with complete solution 
 
What does UST stand for? 
Uniform State Test 
Who does the CFPB protect? 
The Consumer Financial Protection Bureau protects consumers in the financial marketplace. 
What does the CFPB do? 
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. 
W...
![NMLS 2024 Exam Questions with Correct Answers.docx](/docpics/5608217/66680845c7c17_5608217_121_171.jpeg)
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NMLS 2024 Exam Questions with Correct Answers.docx
- Exam (elaborations) • 16 pages • 2024
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NMLS 2024 Exam Questions with Correct A 
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 which law...
![Mortgage Loan Originator PASSED Exam Questions and CORRECT Answers](/docpics/5474323/66573609c11ee_5474323_121_171.jpeg)
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Mortgage Loan Originator PASSED Exam Questions and CORRECT Answers
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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? - Se...
![MLO SAFE NMLS Safe Test Practice Questions And Answers (Verified And Updated)](/docpics/5414811/664f4135d9f0a_5414811_121_171.jpeg)
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MLO SAFE NMLS Safe Test Practice Questions And Answers (Verified And Updated)
- Exam (elaborations) • 29 pages • 2024
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MLO SAFE NMLS Safe Test Practice 
Questions And Answers (Verified And 
Updated) 
Taking advantage of ill-informed consumers through excessively high fees, misrepresented loan 
terms, frequent refinancing that does not benefit the borrower and other prohibited acts is called 
__________________________. - answerPredatory Lending. 
RESPA-Real Estate Settlement Procedures Act - answerThe Federal Statute that deals with 
the settlement of residential mortgage loans. 
RESPA's section 9 Prohibits - a...
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