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Advertising is one of the most important aspects of the mortgage business and it is essential that mortgage loan originators know and understand all the rules and laws that pertain to advertising so that they always remain in compliance. In this course, we will start with the basics of what is considered advertisement, and transition discuss all of the federal laws surrounding advertising from TILA, MAP, ECOA, and UDAAP. By the end of this 30-minute course, the student will have had a crash course in federal advertising law and be able to apply the information to social media and other advertising.

The Ability to Repay Rule and the Qualified Mortgage Rule work hand in hand to help ensure borrowers can repay their loan and are in safe and sound loan products. In this course, we will be discussing the eight underwriting criteria under Ability to Repay. Students will also be able to define and explain what a Qualified Mortgage is and how it is defined including when a rebuttable presumption or safe harbor exist on a loan.

This course fulfills the requirement for annual training on BSA/AML under the law. IN this course, students will learn the basics of what is required under BSA/AML, including when a Suspicious Activity Report (SAR) must be filed. We will also discuss current trends and changes with BSA/AML policy and things that students need to be aware of could be mechanisms for money laundering.

The Fair Credit Reporting Act was passed to address a growing credit reporting industry in the US that compiled consumer credit reports and investigative consumer reports on individuals. In this course, we are going to discuss the requirements under the Fair Credit Reporting Act (FCRA) including conversation about credit reporting agencies, risk-based pricing, adverse actions under FCRA, the Fair and Accurate credit Transaction Act (FACTA) and the Disposal Rule.

In this day and age when technology is constantly evolving, privacy and safeguards are vital topics to understand in the mortgage industry. In this course, we are going to dive into Gramm-Leach-Bliley’s requirements under the Safeguards and Financial Privacy Rule. We will specifically dive into the definition of non-public personal information, safeguards policies, as well as the requirements for privacy notices.

For more than 30 years, federal law required lenders to provide two different disclosure forms to consumers applying for a mortgage, until the TILA-RESPA Integrated Disclosure Rule went into effect in 2015. This course will discuss the history of TRID and the requirements under TRID, including conversation on fee tolerances, intent to proceed, exceptions to TRID, and disclosure timeframes.

In today’s mortgage industry, Unfair, Deceptive, Abusive Acts and Practices (UDAAP), is an evolving and ever present issue. The CFPB regularly issues enforcement action indicating a UDAAP has occurred. This course will dive into the definitions of Unfair, Deceptive and Abusive and discuss examples and how to avoid UDAAPs.

IN this course, we will discuss the Fair Debt Collections Protection Act or FDCPA. In this course, we are going to talk about the Fair Debt Collection Practices Act, or FDCPA. We will touch on the history of the FDCPA, who must follow the FDCPA, the requirements and prohibited acts under the FDCPA.

There are many facets to the Equal Credit Opportunity Act (ECOA), in this course, we are diving directly into the Notice of Adverse Action. IN this course, we will touch on the purpose and protected classes under ECOA, the requirements for adverse action notifications, including common violations of the adverse action requirements and how the ECOA requirements differ from FCRA’s requirements.

There is always a focus on Section 8 when we talk about the Real Estate Settlement Procedures Act (RESPA)but in this class, we will discuss everything else under RESPA. In this course, we will touch on what the purpose of RESPA is, when RESPA applies, the Good Faith Estimate and HUD-1 Settlement statements and when they are still used post-TRID, RESPA Section 9, escrow account requirements, and servicing requirements.

The Real Estate Settlement Procedures Act has a lot of different moving parts but the most talked about part is often Section 8. We decided to devote an entire class to dissecting and discussing Section 8. In this course, mortgage professionals will be armed with the tools to understand and avoid RESPA section 8 violations.

The Secure and Fair Enforcement Act or SAFE Act was passed for many reasons, a major one being to streamline the licensing process for mortgage professionals. In this course, we will dive into the requirements under the SAFE act including conversations on: important definitions, licensing requirements, temporary authority and renewal requirements

This course is designed for mortgage professionals wanting to learn more about cybersecurity and the requirements under federal law. This course discusses the Gramm-Leach-Bliley Act (GLBA) and the privacy requirements under GLBA, specifically discussing the Safeguards and Pretexting Rule. We will also discuss, briefly, some of the more common cybersecurity threats in today’s world, including phishing, and ransomware.

This tackles cybersecurity when the mortgage professional works from home. The COVID-19 pandemic brought a lot of changes, one of the big changes is that many states now allow mortgage professionals to work from home. Working from home can make cybersecurity more of an issue. In this course we will be discussing the things mortgage professionals should be doing at home to ensure continued safety of borrower’s information.

In this course, we will be discussing social engineering tactics. This course will dive into social engineering, what it is, how it happens and what types of acts are considered social engineering. We will be discussing things like phishing, vishing, smishing, scareware, whaling and more. The discussion will also surround what can be done to protect borrowers information from these types of attacks.

Ransomware is a new and evolving type of cyberattack that keeps getting smarter. IN this course, we are going to talk specifically about ransomware: what it is, how it works, and what can be done to protect against ransomware attacks.

This course is designed for mortgage professionals wanting to learn more about cybersecurity and the requirements under federal law. This course discusses the Gramm-Leach-Bliley Act (GLBA) and the privacy requirements under GLBA, specifically discussing the Safeguards and Pretexting Rule. We will also discuss, briefly, some of the more common cybersecurity threats in today’s world, including phishing, and ransomware. This course also tackles the New York Cybersecurity Regulation and the requirements under it.

This cybersecurity course is specifically designed for managers and goes into a deeper dive than our 101 course. This course will touch on cyber-readiness and how to better equip the mortgage company to avoid a cyber incident. The course will go into the things that should be on the manager's radar and the good compliance practices that can assist in creating a good cyber defense.

The main purpose of the Equal Credit Opportunity Act (ECOA) is to prevent discrimination in the mortgage industry, this course will also dive into conversation on two other fair lending laws: The Fair Housing Act and the Home Mortgage Disclosure Act (HMDA). This is a great refresher course on what purpose of these laws and the discriminatory practices that they are trying to stamp out. We will also provide some definitions on important fair lending terms like: disparate treatment and impact, as well as redlining and reverse redlining.

In today’s mortgage industry, fraud remains a problem. In this course, we will dive into what fraud is and how it’s classified into categories. This course will also go into the more common fraud schemes seen in the mortgage industry, including things like illegal property flipping, equity skimming, air loans, reverse mortgage schemes and more. The course will also discuss some general red flags that can appear on transactions containing fraud. Once the student has completed this course, they’ll have a basic understanding of fraud and common fraud schemes

The Red Flags Rule was created by the Federal Trade Commission (FTC) in 2003, Along with other government agencies, such as the National Credit Union Administration (NCUA) to help prevent identity theft. In this course, we will be focusing on identity theft and the Red Flags Rule and how it looks to help mortgage companies prevent identity theft.

This course is all about consumer complaints. In this course, we will discuss how mortgage complaints filed with the CFPB are handled including conversation on risks associated with complaints, complaint resolutions, the complaint handling process, why a consumer might file a complaint and what the CFPB requires of companies when dealing with a consumer complaint.

Elder abuse is an intentional act or failure to act that causes or creates a risk of harm to an older adult and continues to be a growing problem in and out of the mortgage industry. IN this course, we will define elder abuse, discuss the ways that elder abuse happens, list red flags of elder abuse and describe examples of elder abuse. We will also discuss some best practices that mortgage professionals should have in place to ensure that their elderly borrowers are not being abused.

Sexual harassment is a form of sex discrimination that violates Title VII of the Civil Rights Act of 1964. In this course, we discuss what is sexual harassment, who commits sexual harassment, and how victims can recover remedies for sexual harassment.

This course is specifically for managers about how to deal with situations of sexual harassment in their departments. This course is more in-depth than our general sexual harassment course. In addition to conversations on what sexual harassment is, how it happens, who commits it, we will also talk about the liability of sexual harassment and things that are not considered sexual harassment.

Disaster planning includes taking precautions and preventive measures prior to a disastrous event and planning for recovery after the disaster. In this course we are going to talk about building a disaster resiliency and recovery plan.