Reg c hmda Study guides, Class notes & Summaries
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HOME MORTGAGE DISCLOSURE ACT (HMDA) Q’S & A’S!!
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HOME MORTGAGE DISCLOSURE ACT (HMDA) Q’S & A’S!!
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NMLS SAFE EXAM PREP With Correct Solutions 2024
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NMLS SAFE EXAM PREP With Correct Solutions 2024
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SAFE MORTGAGE LOAN ORIGINATOR TEST|UPDATED&VERIFIED|100% SOLVED|GUARANTEED SUCCESS
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Prequalification 
an estimate of the loan amt. for which the buyer can qualify based on his income/credit under the lenders standards 
 
 
 
USDA ratio 
29/41 
 
 
 
FHA ratio 
31/43 
 
 
 
Asset based loan 
-loans based on borrowers equity 
-bad when lenders fail to consider ability to repay 
 
 
 
High Cost Loan 
Reg Z - Sec. 1026.32 
-APR will exceed by more than 6.5% for first lien loans or by more than 8.5% for subordinate 
-APOR - average prime offer rate 
1. 5% 
2. 6.5% 
3. 8.5% 
 
 
 
RE...
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NMLS Laws and Regulations Latest Updated 2022 Rated A
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NMLS Laws and Regulations Latest Updated 2022 Rated A 
Document Content and Description Below 
NMLS Laws and Regulations Latest Updated 2022 Rated A CFPB Consumer Financial Protection Bureau What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA FTC Federal Trade Com mission What does the FTC do? Monitors Red Flag Rules RESPA Real Estate Settlement Procedures Act What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. •Educates bor...
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NMLS Laws and Regulations Latest Updated 2022 Rated A
- Exam (elaborations) • 51 pages • 2023
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NMLS Laws and Regulations Latest Updated 2022 Rated A CFPB Consumer Financial Protection Bureau 
What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA 
FTC Federal Trade Commission 
What does the FTC do? Monitors Red Flag Rules 
RESPA Real Estate Settlement Procedures Act 
What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. •Educates borrowers costs of loan • Eliminates kickbacks and referral fees (section 8) • Establishes...
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NMLS Laws and Regulations Latest Updated 2022 Rated A
- Exam (elaborations) • 51 pages • 2022
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CFPB Consumer Financial Protection Bureau 
What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA 
FTC Federal Trade Commission 
What does the FTC do? Monitors Red Flag Rules 
RESPA Real Estate Settlement Procedures Act 
What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & 
homes manufactured on lot. 
•Educates borrowers costs of loan 
• Eliminates kickbacks and referral fees (section 8) 
• Establishes rules for escrow 
What Regulation is RESPA? Reg...
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NMLS PRACTICE TEST EXAM PROFIENCY HARD QUESTIONS 2022- 2024 / NATIONWIDE MORTGAGE LICENSING SYSTEM PRACTICE TEST HARD QUESTIONS WITH CORRECT ANSWERS|53% AND ABOVE PASSRATE GUARANTEE
- Exam (elaborations) • 79 pages • 2024
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NMLS PRACTICE TEST EXAM PROFIENCY HARD QUESTIONS 2022- 
2024 / NATIONWIDE MORTGAGE LICENSING SYSTEM PRACTICE 
TEST HARD QUESTIONS WITH CORRECT ANSWERS|53% AND 
ABOVE PASSRATE GUARANTEE 
MUST NOT MISS 
 FEDERAL MORTGAGE RELATED LAW 
 UNIFORM STATE CONTENT 
 GENERAL MORTGAGE LAW 
 MORTGAGE LOAN ORIGINATION 
 ETHICS 
An annual escrow analysis is used to do which of the following? 
A. Ensure the loan is properly amortized 
B. Prevent escrow overages 
C. Reduce burden on the servicer 
...
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Federal Mortgage-Related Laws question well solved 2023
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Federal Mortgage-Related Laws question well solved 2023The Equal Credit Opportunity Act requires lenders to inform applicants of the status of their loan within - correct answer 30 days of application. 
 
TILA-required disclosures - correct answer CHARM Booklet 
Right to Rescind 
Loan Estimate 
 
If a borrower waives the right to receive a copy of an appraisal: - correct answer . A copy of each appraisal or other written valuation must be provided the earlier of promptly upon completion or three...
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Federal Mortgage Related Law question and answers graded A+ 2023
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Federal Mortgage Related Law question and answers graded A+ 2023Real Estate Settlement Procedures Act - correct answer Regulation X 1974 
 
RESPA - correct answer Real Estate Settlement Procedures Act 
 
Equal Credit Opportunity Act - correct answer Regulation B 1974 
 
ECOA - correct answer Equal Credit Opportunity Act 
 
Truth-in-Lending Act - correct answer Regualtion Z 1968 
 
TILA - correct answer Truth-in-Lending Act 
 
Truth-in-Lending refers to Advertising in what ways? - correct answer ...
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Loan Officer – NMLS Questions and Answers Graded A+
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Loan Officer – NMLS Questions and Answers Graded A+ ECOA - REG B Equal Credit Opportunities Act 
If App for Cedit is Denied based on Appraisal, Borrower has 90 days to request a copy then Lender has 30 days to deliver 
HMDA - REG C Home Mortgage Disclosure Act 
Found in: 
Section 10 of 10-03 Loan App 
Government Monitoring Section 
Eliminates / Identifies Possible Discrimination 
RESPA - REG X Real Estate Settlement Procedures Act 
TIL/TILA - REG Z Truth in Lending Act (2015) 
Deals with: (Of ...
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