Lexis Nexis Mortgage Lenders Model Compliance Manual: Policies, Forms, and Checklists
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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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Featured Authors
James H. Pannabecker
James H. Pannabecker writes from Natural Bridge Station, Virginia and focuses on banking law and regulatory compliance. Mr. Pannabecker formerly was a senior vice president and general counsel of Citicorp Mortgage, Inc., where he managed the provision of legal services for the nationwide origination of mortgage loans through Citicorp's affiliated first mortgage lenders. Before joining Citicorp, Mr. Pannabecker served as in-house counsel to Maryland National Bank; First Virginia Banks, Inc.; and First American Mortgage Group. He also is a former Professor of Practice at the Washington & Lee University School of Law.
Mr. Pannabecker is the author or coauthor of numerous publications in the areas of truth in lending, real estate settlement procedures, equal credit opportunity, community reinvestment, home mortgage disclosure, and banking law. His publications include Truth-in-Lending Manual: Text and Forms; The RESPA Manual: A Complete Guide to the Real Estate Settlement Procedures Act; Mortgage Lending Compliance with Federal and State Guidance; Mortgage Lenders Model Compliance Manual: Policies, Forms, and Checklists; Banking Law Digest; The Law of Electronic Fund Transfer Systems; and Pratt's Consumer Credit and Truth-in-Lending Compliance Report.
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
