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

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ISBN: 9780769886268
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ISBN: 9780769888996
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ISBN: 9780769888996
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ISBN: 9780769886268
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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.

This eBook provides your staff with the guidance and analysis they need for every part of your operation. The eBook is 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.
The eBook versions of this title feature links to Lexis Advance for further legal research options.

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Table of Contents

Table of Contents


Introduction


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-In Restrictions


Part 5 Consumer Protection


Section 1 Fair Debt Collection Practices Act

Section 2 Privacy

Section 3 Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)

Section 4 USA PATRIOT Act and Anti-Money 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