Fcra ecoa respa - Study guides, Class notes & Summaries
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CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023
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Loan-to-Value Ratio (LTV) - correct answer The percentage of the lesser of the appraised value or sales price that the lender will lend. 
 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 80% of the sales price or appraised value, whichever is lower. 
 
Package Mortgage - correct answer Includes both real and personal property ( fixtures and furnishings) 
 
Blanket Mortgage - correct answer Covers more than one piece of property. 
 
Wraparound Mortgage - c...
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S.A.F.E Mortgage Loan Originator Exam 100% Correct
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S.A.F.E Mortgage Loan Originator Exam 
 
100% Correct 
 
GLBA Gramm-Leah-Bliley Act 
 
FTC Federal Trade Commission 
 
FCC Federal Communications Commission 
 
NPI Non-public Personal Information 
 
Consumer Individual who obtains financial services for personal use 
 
Customer Continuing relationship with a financial institute 
 
EBR Established Business Relationship 
 
FACTA Fair Credit Reporting Act (Original FCRA) 
 
FHA Fair Housing Act & Federal Housing Administration 
 
ECOA Equal Credit ...
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SAFE MLO EXAM GRADED A+ with Questions and Complete Solutions
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All but which of the following are not covered by RESPA? 
a) Simple assumptions 
b) The sale of loans on the secondary market 
c) Loans intended for sale to Freddie Mac 
d) Bridge loans - ANSWER-c) Loans intended for sale to Freddie Mac 
The requirement to include the credit repository's name and address on the adverse action notice 
is established through: 
a) ECOA 
b) FCRA 
c) ECOA & FCRA 
d) FACTA - ANSWER-b) FCRA
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Compucram Practice Exam Topics || with 100% Error-free Solutions.
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Who oversees RESPA? correct answers CFPB 
 
Who enforces RESPA? correct answers CFPB 
 
Who oversees ECOA? correct answers CFPB 
 
Who enforces ECOA? correct answers CFPB and FTC 
 
Who oversees TILA? correct answers CFPB 
 
Who enforces TILA? correct answers CFPB (FTC for advertisement penalties) 
 
Who oversees the National Do Not Call Registry? correct answers FCC, FTC 
 
Who enforces the National Do Not Call Registry? correct answers FTC 
 
Which law regulates the activities of consumer repo...
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FCRA, ECOA, RESPA QUESTIONS GRADED A+
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FCRA, ECOA, RESPA
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Nmls Safe Exam Prep With 100% Correct And Verified Answers
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Nmls Safe Exam Prep With 100% Correct And Verified Answers 
ECOA - Reg B - Correct Answer-Equal Credit Opportunity Act 
 
HMDA - Reg C - Correct Answer-Home Mortgage Disclosure Act 
 
RESPA - Reg X - Correct Answer-Real Estate Settlement Procedures Act 
 
TILA - Reg Z - Correct Answer-Truth In Lending Act 
 
HPA - Correct Answer-Home-owner Protection Act 
 
PMI is required when - Correct Answer-Borrower puts less than 20% down 
 
ECOA deals with - Correct Answer-credit applications 
 
HMDA allow...
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Prepxl Practice test 4 questions and answers graded A+
- Exam (elaborations) • 17 pages • 2024
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f a borrower is required to pay alimony or child support, it must be included as a(n): 
- Asset 
- Liability 
- Qualifier 
- Mitigating circumstance - Answer-Liability. 
Alimony and child support must be included in a borrower's liabilities if they are required to pay. 
A lender who refuses to originate loans in a particular neighborhood or ZIP code because of the 
perceived creditworthiness of consumers living in the area is in violation of: 
- FCRA 
- ECOA 
- HOEPA 
- RESPA - Answer-ECOA. 
Re...
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NMLS 2024 Exam Questions with Correct Answers.docx
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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...
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Prepxl Practice test 4, Questions and answers/ VERIFIED/| LATEST UPDATE | EXAM PREDICTION QUESTIONS |
- Exam (elaborations) • 17 pages • 2024
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Prepxl Practice test 4, Questions and 
answers/ VERIFIED/ 
If a borrower is required to pay alimony or child support, it must be included as a(n): 
- Asset 
- Liability 
- Qualifier 
- Mitigating circumstance - -Liability. 
Alimony and child support must be included in a borrower's liabilities if they are required to pay. 
A lender who refuses to originate loans in a particular neighborhood or ZIP code because of the 
perceived creditworthiness of consumers living in the area is in violation...
-
S.A.F.E Mortgage Loan Originator Exam
- Exam (elaborations) • 7 pages • 2024
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S.A.F.E Mortgage Loan Originator Exam 
GLBA - answerGramm-Leah-Bliley Act 
FTC - answerFederal Trade Commission 
FCC - answerFederal Communications Commission 
NPI - answerNon-public Personal Information 
Consumer - answerIndividual who obtains financial services for personal use 
Customer - answerContinuing relationship with a financial institute 
EBR - answerEstablished Business Relationship 
FACTA - answerFair Credit Reporting Act (Original FCRA) 
FHA - answerFair Housing Act & Federal Housin...
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