CSBS BAI Course Catalog

Mortgage Processing

Mortgage: Ordering Reports for FCRA, FDPA, and More 45 minutes This course, intended for mortgage lending processors, identifies how to recognize permissible purpose in pulling a credit report and what guidelines must be followed in providing appraisals. Learners will also find out how to determine whether a property is in a Special Flood Hazard Area and how to provide flood notification in a timely manner when appropriate. Regulations addressed in this course include the Fair Credit Reporting Act (FCRA), Regulation B/Equal Credit Opportunity Act (ECOA), and Flood Disaster Protection Act (FDPA). 30 minutes This course, intended for mortgage lending professionals, provides a comprehensive overview of what information each disclosure contains and when they must be provided to applicants. Regulations addressed in this course include the Truth in Lending Act (TILA)/Regulation Z, Real Estate Settlement Procedures Act (RESPA), USA PATRIOT Act, Equal Credit Opportunity Act (ECOA)/Regulation B, Fair Credit Reporting Act (FCRA)/Regulation V, and Regulation P. 30 minutes This course, intended for mortgage lending professionals who process applications, addresses how to verify customer identifying information and what information must be gathered for underwriters to evaluate Ability To-Repay and insurance coverage. Regulations covered in this course include the Real Estate Settlement Procedures Act (RESPA); Regulation Z/Truth in Lending Act (TILA); Bank Secrecy Act (BSA)/USA PATRIOT Act; Unfair, Deceptive, and Abusive Acts or Practices (UDAAP); and fair lending guidelines. Mortgage Servicing 20 minutes This course provides an overview of customer service best practices, including how to communicate effectively with customers and handle difficult situations like consumer complaints. 20 minutes This course provides learners with an overview of how to respond to notices of error and information requests from borrowers, as required by the Mortgage Loan Servicing Rules. This course includes: RESPA. 20 minutes This course addresses the role of employees in conducting business in an ethical manner, what rules to follow to behave ethically, and how to recognize unethical behavior. The course also discusses the different types of discrimination and prohibited bases. 20 minutes This course provides an overview of escrow and force-placed insurance, including how to handle force-placed and hazard insurance and when the small servicer exemption applies to force-placed insurance. This course includes: RESPA. 20 minutes This course provides an overview of the mortgage servicing rules, including the learner’s role in adhering to the rules and the ramifications for not following the rules. This course includes: TILA, RESPA. Mortgage Processing: Providing Disclosures Mortgage: Verifying Applicant Information Under BSA, RESPA, and More Mortgage Servicing: Customer Service and Support Mortgage Servicing: Error Resolution and Information Requests Mortgage Servicing: Ethics Mortgage Servicing: Force-Placed Insurance and Escrow Mortgage Servicing: Overview of Servicing Rules

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