This professional development online course will review the legal and ethical importance of truthful and accurate advertising. It also includes the new accountability standards for entities and individuals. The course will highlight some of the more important legislative changes related to advertising and accountability since the mortgage industry"meltdown." Specific provisions addressed include those under the Truth-in-Lending Act (Regulation Z) and the MAP Rule (Regulation N). The course will also review some examples based on real advertising that has been distributed throughout the consumer marketplace.

This course provides an overview of the Americans with Disabilities Act (ADA), its purpose, and how its provisions are organized. This course will specifically focus on the requirements of Titles I and III of the ADA. Your financial institution must comply with the employment provisions of Title I and the public accommodations provisions of Title III presented in this course.

The Consumer Financial Protection Bureau (CFPB) has the authority to conduct examinations of a number of entities participating in the financial industry, including mortgage professionals. In its comprehensive Supervision and Examination Manual, the CFPB presents nearly 1,000 pages of examination procedures - a daunting prospect for a mortgage professional attempting to learn about the process. This course highlights the portion of the Manual dedicated specifically to examinations of mortgage professionals, breaking down those procedures step by step. From the start of the examination process to the final outcome, this course helps students to understand the goals of a CFPB examination, each step involved, and potential results. This professional development online course allows mortgage originators to gain a clearer understanding of what they may expect if they face an examination, and highlights the importance of maintaining day-to-day compliance to ensure positive examination results, a successful and compliant business, and, most importantly, a low level of potential risk to consumers.

The Fair Debt Collection Practices Act (FDCPA) regulates how debt collection agencies can contact and communicate with consumers. This course discusses the guidelines and regulations set by the FDCPA.

This course looks at federal initiatives aimed at addressing the recent mortgage market crisis. Students will learn about federal efforts to curb harmful practices and create opportunities for struggling homeowners to regain ground and recover from the rampant foreclosures that took place from 2007 to 2011. This professional development online course discusses the circumstances that led to the market crisis, reasons behind the record numbers of foreclosures, and initial steps taken by the federal government to help the industry - and borrowers - bounce back. Areas covered include the Emergency Economic Recovery Act, HAMP, the MARS Rule, and the CFPB's Mortgage Servicing Final Rules. Students will learn the background and details of each law and their applicability in today's rebounding mortgage market.

In early 2013, the CFPB announced a number of changes to federal rules governing the mortgage industry. One of the most anticipated rules issued is the Loan Originator Compensation Rule, which provides guidance for defining and calculating compensation for originators in loan transactions. This professional development online course will provide students with the essential information necessary to understand the Rule, and will provide a review of the regulatory and industry concerns considered by the CFPB in its rulemaking. This professional development online course help participants understand the importance of the Rule and its effect on the mortgage landscape.

This course provides knowledge of the Military Lending Act and its requirements for financial institutions.

The Mortgage Compliance Advantage Series is a comprehensive compliance approach that ensures you are equipped with the knowledge needed to mitigate against risk for both your organization as well as yourself. 

In today's digital age, working remotely is becoming easier and more common. However, working outside of the office environment brings new cybersecurity threats. This Remote Worker Preparedness Solution provides you with a strong understanding of how to keep data and information secure while working from outside the office and reinforces that learning through targeted reinforcement modules.

This professional development online course explores various aspects of the Gramm-Leach-Bliley Act (GLB Act). It discusses the purpose of the GLB Act, the protections offered under its provisions, details of the various privacy and opt-out notices it requires, and the differences in these requirements for consumers versus customers. The course will also discusses practices prohibited and limited by the Act, as well as penalties for violations.

This course focuses on the fundamentals of the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA) as they impact financial institutions. Although different in scope and specific application, both the SCRA and the MLA provide benefits and protections to members of the armed forces and impact financial institutions. This course will review the rights and protections afforded to servicemembers under these laws as they relate to financial institutions.

This professional development online course will provide students with the essential information necessary to understand the Ability to Repay/Qualified Mortgage Rule and the Concurrent Rule, and will provide a review of the regulatory and industry concerns considered by the CFPB in its rulemaking. This professional development online course help participants understand the importance of the Rule and its effect on the mortgage landscape, and will highlight compliance concerns that may arise. The course will also review some examples in the form of Discussion Scenarios.

Considerations for flood protection must be made for certain financial transactions. In this professional development online course, students will review the Flood Disaster Protection Act to learn how it applies to the operations of mortgage professionals. Students will explore the origins of the FDPA, its most essential provisions, and the impact of recent legislation on the Act itself and on the industry in affected areas.

This course covers the regulations governing financial institutions under the SAFE Act, specifically the requirements of mortgage loan originators (MLOs) to register with a nationwide registry annually.

Privacy rights are a significant concern for mortgage professionals who are involved in the solicitation of mortgage loans. The Telemarketing Consumer Fraud and Abuse Prevention Act and the Telemarketing Sales Rule protect the privacy of borrowers, and violation of these can result in serious liability. This professional development online course reviews the privacy laws that protect borrowers when they receive a solicitation for a mortgage loan.

Third-party vendor management is a hot topic for all organizations providing financial services. Several federal regulators, including the Federal Reserve Board, OCC, Consumer Financial Protection Bureau, FFIEC, and more, have issued guidance on how financially-related organizations should be managing third parties. This professional development online course introduces the concept of third-party vendor management, explains it as an element of risk management, reviews the regulatory requirements and expectations surrounding it, and also identifies best practices.