Mortgage Lenders Model Compliance Manual: Policies, Forms, and Checklists

This manual will help your residential mortgage lending staff understand and comply with a variety of changing state and federal regulations. This manual provides your staff with the guidance and analysis they need for every part of your operation.
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ISBN: 9780769888996
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Book Edition: 26

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Make certain that your residential mortgage lending staff understands and complies with a variety of changing state and federal regulations is essential to the effective mortgage operations of your institution. Noncompliance can be costly in fines, legal fees, and loss of reputation.

Mortgage Lenders Model Compliance Manual: Policies, Forms, and Checklists provides your staff with the guidance and analysis they need for every part of your operation. The book provides a template you can follow to create your own compliance manual. It covers state and federal requirements that apply to mortgage lending, and includes many sample documents.

The entire manual is customizable and enables you to create department-specific compliance manuals. It explains the state and federal requirements, points out what applies to depository institutions only, and helps you get the timing right on required disclosures, use the right forms, make sure APR is properly represented in your advertising, and keep up as RESPA, Truth in Lending, HMDA, and the other regulations continue to change. The manual provides a wide array of sample materials, including:

•   Checklists, such as an EFTA compliance checklist and an Internet security checklist
•   Forms
•   Disclosures
•   Sample policies and other related materials
•   Sample examination procedures to help your internal audit program

Subscribers will receive a downloadable file containing editable forms.
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Table of Contents

Table of Contents


Regulatory Applicability Checklist

Part 1 Lending Regulations

Section 1 Truth in Lending
Section 2 Home Mortgage Disclosure Act
Section 3 Real Estate Settlement Procedures Act
Section 4 Flood Insurance
Section 5 Insider Transactions
Section 6 Examinations and Dealing with Regulators
Section 7 Appraisals
Section 8 Nationwide Mortgage Licensing System

Part 2 Mortgage Insurance

Section 1 Mortgage Insurance

Part 3 Discrimination and Fair Lending

Section 1 Equal Credit Opportunity Act
Section 2 Fair Credit Reporting Act
Section 3 Fair Housing Act
Section 4 Community Reinvestment Act
Section 5 Fair Lending
Section 6 Subprime Lending

Part 4 Advertising and Marketing

Section 1 Advertising
Section 2 Telemarketing
Section 3 Tie&#45In Restrictions

Part 5 Consumer Protection

Section 1 Fair Debt Collection Practices Act
Section 2 Privacy
Section 3 Unfair&#44 Deceptive&#44 or Abusive Acts or Practices (UDAAP)
Section 4 USA PATRIOT Act and Anti&#45Money Laundering
Section 5 Homeownership Counseling

Part 6 Legal and Liability Issues

Section 1 Lender Liability
Section 2 Environmental Protection
Section 3 Bankruptcy
Section 4 Court Process Subpoenas and Other Legal Processes
Section 5 Servicemembers Civil Relief Act
Section 6 Safety and Soundness
Section 7 Tax Reporting
Section 8 Tenants at Foreclosure

Part 7 Electronic Services

Section 1 Electronic Transfer of Funds (Regulation E)
Section 2 Internet Activities

Part 8 State Laws

Section 1 State Laws

Part 9 Compliance Checklists

Section 1 Compliance Checklists