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Day: January 1, 2018

AML GLB Client Site

January 1, 2018 Nelson A. Locke, Esq. Uncategorized cfpb compliance scotus hud fha hecm fnma mortgage, Compliance

Anti Money Laundering OFAC FinCen ITPP Presentation

Financial Services Modernization Act of 1999

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Library of training Posts

  • Look at this information on increases in Fraud. July 25, 2022
  • I’m getting too many calls from Broker Shops paying their MLO staff based on FEE INCOME. This is a violation. July 12, 2022
  • CFPB updates examination manual to use UDAAP authority to target discriminatory practices. May 10, 2022
  • Your website link to HUD may be hijacked. May 3, 2022
  • Special AML/RISK/CYBER Certification Course March 8, 2022
  • CFPB reports on HECM Complaints February 17, 2022
  • OSHA “ETS” for Workplace Covid Compliance Effective January 10th, 2022 January 11, 2022
  • CFPB Audit Initiatives for 2022 – be advised! November 24, 2021
  • Our Office in Texas is moving! October 29, 2021
  • Texas no longer requires brick and mortar. October 12, 2021
  • About the Covid Moratorium….. August 5, 2021
  • From Mortgage Banker Magazine….. June 17, 2021
  • Leaving messages this way got this company sued. May 11, 2021
  • CFPB charging Reverse Mortgage Lender with deceptive advertising practices (UDAP) April 28, 2021
  • UWM has been sued. Read on….. April 27, 2021
  • False Claims Activity is heating up. March 23, 2021
  • Washington DFI and Contract Loan Processors – here are the DFI rules in a snapshot……. March 8, 2021
  • Regarding that “announcement” today…. March 4, 2021
  • New 1003 now in effect! March 4, 2021
  • An update on the “W-2 versus 1099” debate…….. February 8, 2021
  • More about using unlicensed originators. January 21, 2021
  • Former Obama Appointee to lead CFPB. January 21, 2021
  • Attention California Clients – Get Ready for the “CPRA” November 10, 2020
  • A few words of advice to MLOs who are changing sponsors….. October 29, 2020
  • Need some Continuing Ed? Here is a limited time offer for free CE classes. October 29, 2020
  • Brokers – license yourself in Texas! August 26, 2020
  • How do I calculate ATR? August 26, 2020
  • Here are some recent Auditor Comments. August 13, 2020
  • Interesting FRAUD case here. Just an FYI. August 4, 2020
  • COVID Return to Work Package August 4, 2020
  • How COVID really feels… July 1, 2020
  • Regarding Broker and Lender Quality Control Efforts……. May 4, 2020
  • Pandemic/Natural Disaster Business Continuity Plan is important. April 22, 2020
  • BE AWARE OF THIS…… April 22, 2020
  • COVID-19 Readiness Plan now required March 26, 2020
  • You are considered an essential service. March 26, 2020
  • COVID-19 Readiness Plan now required March 12, 2020
  • Brokers – license yourself in Texas! January 21, 2020
  • The LIBOR is being phased out. January 21, 2020
  • Have you received a Complaint from “Legal Justice Advocates” regarding allegations of disparate treatment of the visually impaired? December 10, 2019
  • Clarification on Temporary Authority Post…….. December 10, 2019
  • Important News about Temporary Authority to act as an MLO….. December 8, 2019
  • Settlement Service Providers List is an important part of your Loan Estimate Package. November 5, 2019
  • Florida Mortgage Professionals Take Note July 30, 2019
  • Are you a “MINI-CORRESPONDENT”? July 25, 2019
  • Brokers who rely on their lender’s captive LOS system may be missing proof of disclosure and subject to adverse findings in an audit. May 6, 2019
  • LEHMAN BROTHERS RE-PURCHASE LETTERS. May 6, 2019
  • Business Purpose Loan Abuse is about to END April 25, 2019
  • If you think you can do without your Compliance Attorney, think again. March 26, 2019
  • Regulators will be requiring better responses to their audit findings. March 18, 2019
  • FYI. Democrats introduce bill to re-instate HMDA low threshold for reporting. February 7, 2019
  • AML And BSA Annual Risk Assessment Compliance January 22, 2019
  • California has another new rule. December 27, 2018
  • AML And BSA Annual Risk Assessment Compliance December 11, 2018
  • Have you completed your 2018 your continuing education yet? You are running out of time. November 29, 2018
  • States where current Audit Activity is high. November 28, 2018
  • AML And BSA Annual Risk Assessment Compliance November 28, 2018
  • Sexual Harassment Training Requirement October 5, 2018
  • What to do if a Lender asks you to repay commissions……….. August 21, 2018
  • Florida OFR Audit Alert August 12, 2018
  • ZILLOW Co-Marketing Program Survives June 28, 2018
  • Dodd Frank Reform Act June 27, 2018
  • DODD FRANK REFORM BILL WEBINAR June 19, 2018
  • Check your “Facebook” profiles today. June 19, 2018
  • DODD FRANK REFORM BILL WEBINAR June 18, 2018
  • Rule Change regarding use of a CD to reset tolerances. April 30, 2018
  • Keller Williams Matter April 19, 2018
  • Template for Occupancy Fraud Affidavit April 2, 2018
  • Business Purpose Loans – Update March 22, 2018
  • Private Lending and Licensing – Round Two. March 15, 2018
  • What you need to know about the Dodd-Frank rewrite that is currently underway. March 5, 2018
  • Warning about UDAAP March 1, 2018
  • Rapid Rescores and Extra Cost February 27, 2018
  • Updated HMDA Guidance February 21, 2018
  • Confidentiality – a word of advice to you owners, officers, and directors. January 31, 2018
  • Audit Notices are FLYING OUT January 10, 2018
  • AML GLB Client Site January 1, 2018
  • Don’t be foolish about the status of the CFPB. November 29, 2017
  • “She rated us a 2. Said 1 is the highest.” November 16, 2017
  • WARNING – Audit Activity Increasing October 23, 2017
  • CFPB revises HMDA changes on October 17th………… October 18, 2017
  • What is the Uniform Closing Dataset and do I have to file this effective September 25th, 2017? September 28, 2017
  • To advise your clients of the recent Equifax NPI mega-breach…… September 14, 2017
  • Quit guessing when you make a job offer or hire a new MLO. September 12, 2017
  • Discussion of the October 2017 RESPA TILA changes ……. August 31, 2017
  • HMDA, ECOA, Adverse Action Notices, and Broker Shops. August 30, 2017
  • 2018 HMDA Reporting and Accuracy Testing by the Regulators August 24, 2017
  • List of top five violations that result in fines, suspensions, or revocations. August 16, 2017
  • Electronic File Storage – things to consider. August 3, 2017
  • I’m not changing my mind on this one. An NMLS sponsored MLO is an employee. Period. June 22, 2017
  • Read about these changes to the Social Security Death Index. June 19, 2017
  • The CHOICE Act – affects CFPB structure and rule making. NOT the need for strong compliance. June 11, 2017
  • Scary Reading for Compliance Officers May 24, 2017
  • Update on violations where we are seeing consistent, large fines. May 24, 2017
  • HMDA, ECOA, Adverse Action Notices, and Broker Shops. Revised 10/16/17. May 17, 2017
  • Mortgage Brokers – add Commercial Loans to your revenue stream. April 17, 2017
  • Commercial Mortgage Broker Program April 1, 2017
  • New York Mortgage Lenders (and other States as well) pay attention. New Regulation – Cybersecurity Policy! March 29, 2017
  • An update on potential CFPB changes…… March 23, 2017
  • Mortgage Brokers and Realtors Indicted March 1, 2017

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