CSBS BAI Course Catalog

TRID: Good Faith, Tolerances, and Resetting Tolerances 5 minutes This mini-course is intended for individuals responsible for ensuring compliance in use of the Loan Estimate and Closing Disclosure for mortgage loans. It emphasizes the concepts of good faith estimates, toler-ance limits, and resetting tolerances. Marketing 15 minutes Intended for frontline personnel, this course identifies what actions and practices are unfair, deceptive, or abusive in marketing and what triggering terms in advertising require additional explanations and disclosures. This course also addresses the rules an institution must adhere to when making phone and email solicitations, as well as best practices for employees when using social media. Regulations covered in this course include UDAAP, Regulation DD, Regulation Z, TCPA, and CAN-SPAM Act. Frontline: Marketing Regulations including TCPA, CAN-SPAM and UDAAP Homeowners Protection Act (PMI Cancellation Act) 5 minutes This mini-course provides an overview of the Homeowners Protection Act, including when and how private mortgage insurance (PMI) can be terminated and disclosure requirements. The course is aimed at employees involved in mortgage loan origination or servicing. 40 minutes This course provides an overview of the various laws and regulations that affect the mortgage lending process. The course introduces learners to the Community Reinvestment Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Fair Housing Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Flood Disaster Protect Act, and Homeowners Protection Act. The course is recommended for all employees, especially mortgage lenders. 30 minutes Intended for all employees, this course provides a high-level overview of RESPA, including the disclosures that are required throughout the loan application process, prohibited practices, and penalties for noncompliance. 5 minutes This interactive course provides a brief summary of error resolution procedures, prohibited practices, and penalties under the Real Estate Settlement Procedures Act (RESPA). 60 minutes This course provides a comprehensive look at the SAFE Act. The course is intended for compliance officers; HR departments who create policies and procedures, and who maintain the Registry; and any staff member who fits the definition of a Mortgage Loan Originator (MLO), including mortgage lenders, processors, and underwriters. 5 minutes This interactive course provides an overview of the distinguishing features of a Home Ownership and Equity Protection Act (HOEPA) loan, including what constitutes a HOEPA loan and how to determine whether a loan is a HOEPA loan. Mortgage Basics: Laws and Regulations Real Estate Settlement Procedures Act (RESPA): Essentials RESPA: Errors, Prohibited Practices, and Penalties SAFE Act Compliance Understanding HOEPA Loans Mortgage Lending

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