Who does the cfpb protect Study guides, Class notes & Summaries
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SAFE Mortgage Loan Originator Test - National Component With Uniform State Content Latest Updates
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Foolproof Module 5 Notes | 100% Correct | Verified | Latest 2024 Version
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You need to know who might protect you if you get ripped off. 
Who regulates and watches all this checking account and financial transaction stuff? - The Federal 
Reserve Bank (aka "The Fed") 
You probably won't ever deal with the Federal Reserve directly. 
- The Fed isn't actually a bank you can walk into and deposit your paycheck. It is the central bank of the 
United States, created and overseen by Congress. It provides our country with a safer, more flexible and 
more stable monetary and...
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SAFE Exam Study Guide (Vocab) With 100% Complete Solution
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SAFE Exam Study Guide (Vocab) With 100% Complete Solution 
 
Traditional Mortgage - Correct Answer-30 year fixed rate (mortgage) 
 
Balloon Payment - Correct Answer-A final payment of a mortgage loan that is considerably larger than the required periodic payments because the loan amount was not fully amortized. 
 
Federal Deposit Insurance Corporation - Correct Answer-Created to protect borrowers deposits 
 
Federal Housing Administration - Correct Answer-Created to reassure lenders in cases of ...
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2024 HUD Counseling Exam - Module 5 Avoiding Foreclosure
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what is a servicer? - ANSWER a company that handles all the administrative aspects of 
a loan from the closing to mortgage payoff, including handling all payments, escrow, 
and all documentation for records 
when was the most recent foreclosure crisis? - ANSWER 2007 
what caused the most recent foreclosure process? - ANSWER 1. negative amortization 
2. aggressive marketing of HELOC loans 
3. subprime lending 
4. qualifying borrowers based on teaser rates 
5. qualifying borrowers based on introdu...
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Real Estate Law SAE Questions and Answers 100% Accurate
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Real Estate Law SAE Questions and Answers 100% Accurate 
A 
What is the Definition of a trade fixture? 
A. personal property attached to real property that is owned by and needed for a tenant's business 
B. a personal item that is not attached permanently to a home 
C. a personal item attached by a tenant for temporary use 
D. permanently attached personal items that need repair 
 
 
 
C 
Which of the following is NOT an ownership right? 
A. Water Rights 
B. Subsurface Rights 
C. Easements 
D. ...
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AYPO Real Estate Principles of Real Estate I Exam Study Guide Already Passed
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AYPO Real Estate Principles of Real Estate I Exam Study Guide Already Passed TREC has the authority under TRELA to suspend or even revoke a broker's license if: They conduct the unlawful practice of law 
ESAC stands for: Education Standards Advisory Committee 
What refers to a location from an economic rather than a geographic standpoint? Situs. 
Which amendment guarantees that a citizen will not be deprived of property without due process of law? 5th Amendment. 
The CFPB is the: Consumer Finan...
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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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Fundamental Payroll Cert Chap 4 Exam 62 Questions with Verified Answers 2019,100% CORRECT
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Fundamental Payroll Cert Chap 4 Exam 62 Questions with Verified Answers 2019 
 
The crucial distinction in the common law test between an employee and an independent contractor? - CORRECT ANSWER ERs amount of control over EE 
 
What IRS form is utilized in order to determine whether a worker is an employee or an independent contractor? - CORRECT ANSWER SS-8 
 
ERs responsibility in regards to payroll include all the following except? 
a Paying (wages) 
b Withholding (taxes) 
c Reporting (file co...
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SAFE Mortgage Loan Originator 255 Review | Questions with 100% Correct Answers | Verified
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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...
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Housing Counselor Exam - Pre Assessment Questions With Complete Solutions.
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Housing Counselor Exam - Pre Assessment Questions With Complete Solutions. 
 
Which is an eligibility factor for the Earned Income Tax Credit? 
Receiving wages 
Which situation most likely indicates a loan modification scam? 
The client receives a letter from a company guaranteeing a loan modification 
Which was instituted by Congress to better protect homebuyers following the most recent housing crisis 
Consumer Finance Protection Bureau 
121 Which is an example of a change enacted by Consume...
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