The purpose of this policy and procedure guide is to address advertising and marketing for requirements specific to real estate lending.

The purpose of this policy and procedure guide is to address compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, and related Office of Foreign Assets Control (OFAC) and Anti- Money Laundering (AML) requirements.

The purpose of this policy and procedure guide is to provide an overall methodology for managing the entire compliance management system as defined by the CFPB and prudential regulators.

The Electronic Signatures in Global and National Commerce Act (E-Sign) is a federal act that facilitates the use of electronic records and signatures in interstate or foreign commerce. This policy provides detailed information regarding the E-Sign Act, including information on related regulations, permissible use, and exceptions.

The purpose of this policy and procedure guide is to address the Equal Credit Opportunity Act (ECOA) and its implementing Regulation B requirements.

The Fair and Responsible Practices policy and procedure guide is to address the prohibited discriminatory practices under the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act, as well as the Unfair, Deceptive, or Abusive Acts or Practices Act.

The purpose of this policy and procedure guide is to address the Fair Credit Reporting Act (FCRA) and its implementing Regulation V requirements including rules related to use of credit information, furnishing and transmission of credit information, identification of red flags to protect against suspicious activity, and addressing consumer credit disputes.

The purpose of this policy and procedure guide is to address the Fair Debt Collection Practices Act (FDCPA), Regulation F, including the regulatory framework and prohibited practice for communicating with consumers regarding debt. Specific policy components include communication via telephone, cellular phone, voicemail messages, email, text messaging and social media.

The purpose of this policy and procedure guide is to address the Flood Disaster Protection Act (FDPA), including the mandatory flood purchase requirements for loans made, extended, or renewed by the client, including flood zone determination, notifications, escrow requirements, private flood insurance policies, and force placement obligations.

The purpose of this policy and procedure guide is to address the Home Mortgage Disclosure Act (HMDA), and its implementing Regulation C requirements, ensuring consistent and accurate data reporting of lending activities on the Loan Application Register (LAR). The policy includes specific, detailed requirements on collection, recording, reporting, record retention, and disclosure of HMDA data.

The purpose of this policy and procedure guide is to address the Homeowners Protection Act (HOPA) consumer protections applicable to the cancellation and termination of private mortgage insurance coverage. This policy includes guidelines for disclosure requirements, borrower requested cancellation, automatic termination, and final termination.

The Insider Loans policy and procedure guide outlines the requirements of Regulation O and includes details regarding oversight responsibilities, risk management strategies and reporting requirements. This guide includes the identification of who qualifies as an insider, the determination of the dollar amounts available to lend to individual insiders and insiders in aggregate, applying the same credit standards and terms as available to all consumers, and compliance with reporting requirements.

This policy and procedure guide provides clear guidance to comply with Regulation P, Consumer Privacy Disclosure Requirements, and Safeguarding Confidential Information. Complete with document destruction details, firewall procedures, data center security requirements, and more.

This policy and procedure guide provides clear guidance for quality control requirements associated with loan origination and servicing. It is designed to address the goals and expectations of quality control measures based on the type of loan as well as agency quality control requirements for both origination and servicing. This guide sets forth minimum standards and industry best practices for mortgage lenders and servicers to apply effective quality control to the loan origination and servicing processes.

The purpose of this policy and procedure guide is to address the Real Estate Settlement Procedures Act (RESPA) and its implementing Regulation X requirements.

The Residential Lending Policy and Procedure Guide addresses lending operations processes required to facilitate specialized borrower documentation and underwriting criteria in compliance with laws, regulations, and agency requirements.

The Residential Servicing Policy and Procedure Guide addresses servicing operations processes required to facilitate loan administration, loss mitigation, default management, sub-servicer management, and secondary marketing/risk management in compliance with laws, regulations, and agency requirements.

The Risk Assessment and Management Policy and Procedure Guide explores various types of risk; identifies tools for establishing a risk appetite; and provides strategies for measuring, monitoring, and controlling risk. This guide also offers checklists and various tools used in risk assessment for client use.

The purpose of this policy is to ensure compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) by providing the framework and guidance to increase accountability and tracking of mortgage loan originators, enhanced consumer protections, and anti-fraud measures.

The purpose of this policy and procedure guide is to address the Servicemembers Civil Relief Act (SCRA) consumer protections and relief for servicemembers entering active service, currently on active service, and those who are being called to military service active duty. Policy elements include waivers of rights pursuant to written agreements, the maximum rate of interest on eligible loans, protections against default judgements in civil cases, foreclosure and eviction, and permanent change of station orders.

This policy and procedure guide includes the requirements and guidance specific to the Telephone Consumer Protection Act (TCPA).

This policy and procedure guide addresses Truth in Lending Act (TILA) and its implementing Regulation Z requirements consumer protections in relation to open-end and closed-end credit transactions.

Delivered via email within one business day! The redesigned Uniform Residential Loan Application (URLA) includes 48 new data points including additional demographic information to help the Consumer Financial Protection Bureau (CFPB) and other regulatory agencies to identify patters of discrimination in the mortgage industry. The Uniform Residential Loan Application Guide provides detailed instructions for the completion of the redesigned URLA and a quality control checklist to verify accurate completion based on the borrower's specific loan scenario.