GLB Study guides, Class notes & Summaries

This document is for the first part of the course (until the midterms) as a preparation for the midterm exam.

NMLS Texas Exam 2023 Front End Ratio Formula (Mortgage to income/Housing expense ratio) - ANSWER-Monthly PITI/ gross monthly income Federal Housing Finance Authority - ANSWER-Ensures GSEs have adequate practices and capital to engage in mortgage business. LTV Formula - ANSWER-Loan amount/value of property LTV % required to avoid PMI - ANSWER-Less than 80% A VA loan called IRRRL stands for - ANSWER-Interest rate reduction refinance loan Underwriters Review of capital deals wit...

Unfair practices related to loan modification programs and scams perpetrated by mortgage relief companies led to the enactment of Correct Answer: FTC MARS Rule. Your Answer: GLB Safeguards Rule. Your Answer: FTC Red Flag Rules. Your Answer: Dodd-Frank Ability to Repay Rule. These predatory activities led to the enactment of the MARS Rules. A lender is obligated to provide a borrower with a Closing Disclosure, how many business days prior to the loan closing if requested to do so? Corr...

GLBA Reg P. Questions and answers, rated A+ Which of the following is not a requirement of GLBA's Title V and Regulation P? A. Establish a privacy policy B. Establish a social media policy C. Give customers and other consumers the right to prohibit information sharing in certain circumstances D. Provide written notices of the bank's privacy practices - -B GLBA applies to nonpublic information about business entities. - -False- GLBA applies to nonpublic personal information about in...

Reg B - ANSWER ECOA Reg C - ANSWER HMDA Reg G - ANSWER SAFE - registered Reg H - ANSWER SAFE - licensed Reg N - ANSWER MAP Rule Reg P - ANSWER GLB Act Reg V - ANSWER FCRA Reg X - ANSWER RESPA Reg Z - ANSWER TILA LE - ANSWER Requires business days to include all days open Does count for business days for CD include Saturdays? - ANSWER No - requires business days to include all but Sun/Holidays Elements of a Completed Application - ANSWER Name Address Subject pro...

This document provides a summary of the weekly materials (most of the readings + KC´s). It can be used for exam preparations as well as weekly preparations. I cover the following topics: LTS Model Why do we regulate? Public interest theory of regulation Private interest theories Theories of Regulation When do we regulate? Collingridge Dilemma Mitigating the Collingridge Dilemma Consequentialism Deontology (rule based theories) How do we regulate? - Modalities of regulation & techno-regula...

I have gathered weekly materials in one document, including KC´s, lecture notes and readings. Historical development of Administrative law The future of administrative law accountability Approaching Admin law - Questions to ask a comparative approach preliminary aspects of judicial review organization of judicial review Remedies of violation of administrative lawGlobal Administrative law

NO TIME to watch all the knowledge clips again? Afraid of missing some points when you watch the knowledge clips? This is a document for you. This is document is my own LECTURE NOTES, it covers all the knowledge clips throughout the semester, with detail explanation from the professors. It also noted all the important cases discussed in class. If you are looking for a SUMMARY (last-minute) before exam, I would recommend you to check out another document I uploaded or consider getting the b...

1-A nurse is preparing to administer cefaclor 40 mg/kg/day PO divided in equal doses every 8 hr to a child who weighs 48 lb. Available is cefaclor suspension 375 mg/5 mL. How many mL should the nurse administer per dose? 3.9 mL Step 1: What is the unit of measurement the nurse should calculate? kg Step 2: Set up an equation and solve for X. X kg = 21.818181 kg Step 3: What is the unit of measurement the nurse should calculate? mg Step 4: Set up an equation and solve for X. X = Dose per ...

USAA Auto Insurance Exam With 100% Correct Answers Terrorism Risk Insurance Act (TRIA) - answerIn 2002- the availability of reinsurance coverage against terrorism. If there is a terrorist act then the federal government is responsible in paying the insurer for any damage. What is TRIEA and when did it happen - answerIn 2005 legislation was modified and coverage was extended by the Terrorism Risk Insurance Extension Act FCRA- when, what, and what it stands for - answerIn 1970 the Fair Cred...