02/07/2021
Is redlining real? It seems to be an antiquated type of violation.
01/31/2021
Why am I concerned with the FDCPA since it applies to third party collectors?
01/24/2021
Written Permission to Access Credit Reports Required
09/27/2020
If we have a rate sheet that we give to real estate agents and our loan originators, but we know the true use will be for them to hand it to consumers or post it where consumers can readily access it, wouldn't we need to have the APR on it?
09/20/2020
Our mortgage department is putting together a script for a generic radio ad promoting their department and our offering of home loans. I know the obvious requirement of FDIC and EHL being mentioned. However, I'm unable to find concrete support as to whether our bank's NMLS ID must also be included. I saw a comment in the forum stating that banks aren't required to include it but can't find regulatory guidance to support that. Can you offer me some wisdom or direct me to a resource? I'm in Texas, by the way. I've also searched for state specifications and came up empty.
09/20/2020
We include the Equal Housing Lender logo in all our home loan ads. Are we also required to include the “Equal Opportunity Lender” logo?
09/13/2020
How does fair lending impact commercial loans, which is not “consumer protection” controlled?
09/06/2020
We don't make owner occupied mortgages, but do make business purpose loans for rental properties. Do we need to continue using the Equal Housing Lender logo in advertising?
09/06/2020
Will Loan Production Offices help in fair lending if we decide to close branches?
08/30/2020
The CFPB hasn’t been active in fair lending other than mortgages, correct, does this present any challenges?
