81Â Results
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A Borrower's Right to Privacy in a Mortgage Transaction
This course will review a borrower's right to privacy and the privacy expectations for various aspects of mortgage transactions.60 Minutes -
A Borrower's Right to Privacy in a Mortgage Transaction - E3
Privacy rights are a significant concern for mortgage professionals who are involved in the solicitation, origination, processing, closing and servicing of mortgage loans. Multiple laws protect the privacy of borrowers, and violation of these laws can result in serious liability. This course reviews the privacy laws that protect borrowers from the time they receive a solicitation for a mortgage loan until their loans are repaid. It also discusses the actions that are necessary to maintain compliance with privacy laws, which are an ongoing concern for mortgage professionals.30 Minutes -
Anti-Tying
Explore the basics of anti-tying restrictions - discover what anti-tying is, when it occurs, and how to avoid violations - and study the exceptions that apply to the anti-tying rules. Also, learn about other factors relating to anti-tying, such as anti-trust laws and anti-tying penalties.60 Minutes -
Appraisal and Evaluation Interagency Guidelines
This course provides an overview of the appraisal and evaluation guidelines developed for all the federal financial institution bank, savings bank and credit union regulators.30 Minutes -
Beneficial Ownership - E3
This course explores the requirements of the customer due diligence rule (CDD Rule) issued by the Financial Crimes Enforcement Network (FinCEN) and explains the rule, the concept of legal entity owners, and how to identify and document beneficial owners.30 Minutes -
Collection Practices and Loan Workouts
This course provides an overview of responsibilities of the collection department. It explains the use of letter and telephone collection techniques. Lastly, it explains repossessions, foreclosures, loan workouts, and bankruptcy.60 Minutes -
Commercial Compliance Overview
Financial institutions need to comply with certain lending laws. Explore the Equal Credit Opportunity Act (ECOA), Regulation O, the Home Mortgage Disclosure Act (HMDA) and other regulations relevant to your role.120 Minutes -
Commercial Compliance Overview - E3
This course provides an overview of the compliance issues affecting commercial lending. Some laws and regulations apply to all types of commercial loans, while other laws and regulations apply specifically to real estate-related commercial loans. These acts, guidelines, and laws are discussed in this course so that financial institution employees know what to be aware of and how to comply with specific regulations.60 Minutes -
Commercial Lending: Cash Flow and Underwriting - E3
This course provides an overview of key steps in underwriting a commercial loan. It also discusses the importance of cash flow analysis in underwriting, how to construct a cash flow analysis, and how to interpret the cash flow statement.45 Minutes -
Commercial Lending: Collateral - E3
This course provides an overview of collateral and how it is used in commercial loans, including an explanation of acceptable collateral types and information needed to verify collateral in commercial loans. There are five key types of collateral for commercial lending: cash, real property, unpaid invoice (less common), inventory, and blanket liens (less common). Understanding the types of collateral helps borrowers determine the best choice for the situation. This course will teach commercial lenders how to analyze collateral for loan security and approval.40 Minutes
