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URL:https://www.learndesk.us/class/4960291886465024/lesson/2d62555a11e05ea9eb61182fec2b73f3?ref=outlook-calendar
SUMMARY:Fair Financing Laws
DTSTART;TZID=America/Los_Angeles:20260515T190000
DTEND;TZID=America/Los_Angeles:20260515T200000
LOCATION:https://www.learndesk.us/class/4960291886465024/lesson/2d62555a11e05ea9eb61182fec2b73f3?ref=outlook-calendar
DESCRIPTION: Truth-in-Lending and Regulation Z
• Reg Z implements Truth-in-Lending Simplification and Reform Act and Consumer Credit.
Protection Act
• Provisions: lender must disclose finance charges and APR prior to closing; the borrower has limited right of rescission; the lender must follow disclosure requirements in advertising.
Equal Credit Opportunity Act
• ECOA prohibits discrimination in lending Real Estate Settlements and Procedures Act.• RESPA standardizes settlement practices.• Provisions: lender must provide a CFPB booklet explaining loans, settlement costs, and procedures.• Lender must provide CFPB Loan Estimate of settlement costs within three days of application.• Lender must provide CFPB Closing Disclosure three days before loan consummation; buyer to have three days to review the form prior to closing; if changes are made, closing must wait for another three days.
National Flood Insurance Act
• Borrowers of "federally-related loans" must...

https://www.learndesk.us/class/4960291886465024/lesson/2d62555a11e05ea9eb61182fec2b73f3?ref=outlook-calendar
STATUS:CONFIRMED
SEQUENCE:3
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DESCRIPTION:Class Reminder
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