What does the cfpb do - Study guides, Class notes & Summaries
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Compucram Practice Exam Topics || with 100% Error-free Solutions.
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Who oversees RESPA? correct answers CFPB 
 
Who enforces RESPA? correct answers CFPB 
 
Who oversees ECOA? correct answers CFPB 
 
Who enforces ECOA? correct answers CFPB and FTC 
 
Who oversees TILA? correct answers CFPB 
 
Who enforces TILA? correct answers CFPB (FTC for advertisement penalties) 
 
Who oversees the National Do Not Call Registry? correct answers FCC, FTC 
 
Who enforces the National Do Not Call Registry? correct answers FTC 
 
Which law regulates the activities of consumer repo...
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CIPP/US EXAM QUESTIONS WITH CORRECT ANSWERS- LATEST UPDATE 2024
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CIPP/US EXAM QUESTIONS WITH CORRECT ANSWERS- LATEST UPDATE 2024 
 
What are 5 elements that must be in a security program under GLBA - Answer-1. Designate an employee to coordinate the safeguards 
2. Identify and assess the risks to customer information in each relevant area of the company's operation and evaluate the effectiveness of the current safeguards for controlling those risks 
3. Design and implement a safeguard program and regularly monitor and test it 
4. Select appropriate service p...
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content (100% Errorless Answers)
- Exam (elaborations) • 25 pages • 2023
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What does UST stand for? correct answers Uniform State Test 
 
Who does the CFPB protect? correct answers The Consumer Financial Protection Bureau protects consumers in the financial marketplace. 
 
What does the CFPB do? correct answers CFPB is now in charge of implementing and enforcing most of the provisions of federal lending laws that relate to protecting consumers while they are shopping for, securing, and paying off mortgages. 
 
What is the purpose of RESPA? (3 things) correct answers a....
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NMLS Laws and Regulations Exam Questions with Verified Answers
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content Exam Questions With Verified Answers
- Exam (elaborations) • 28 pages • 2024
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SAFE Mortgage Loan Originator Test - 
National Component with Uniform State 
Content Exam Questions With Verified 
Answers 
What does UST stand for? - answerUniform State Test 
Who does the CFPB protect? - answerThe Consumer Financial Protection Bureau protects 
consumers in the financial marketplace. 
What does the CFPB do? - answerCFPB is now in charge of implementing and enforcing 
most of the provisions of federal lending laws that relate to protecting consumers while they are 
shopping for,...
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NMLS Laws and Regulations Exam Questions with Complete Solutions
- Exam (elaborations) • 36 pages • 2024
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NMLS Laws and Regulations Exam Questions with Complete Solutions 
 
Who oversees RESPA? - Answer-(CFPB) Consumer Financial Protection Bureau 
 
How long must records be kept under RESPA? - Answer-5 years 
(RESPA has 5 letters= 5 letters of record keeping) 
 
What are the penalties for violating RESPA? - Answer-$10k, 1 yr in prison OR both 
(5 years x 2= $10,000 fine) 
 
TILA - Answer-Truth in Lending Act 
 
What does TILA do? - Answer-• part of the Federal Consumer Protection Act and lays out...
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content Exam Questions With Verified Answers
- Exam (elaborations) • 28 pages • 2024
- Available in package deal
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SAFE Mortgage Loan Originator Test - 
National Component with Uniform State 
Content Exam Questions With Verified 
Answers 
What does UST stand for? - answerUniform State Test 
Who does the CFPB protect? - answerThe Consumer Financial Protection Bureau protects 
consumers in the financial marketplace. 
What does the CFPB do? - answerCFPB is now in charge of implementing and enforcing 
most of the provisions of federal lending laws that relate to protecting consumers while they are 
shopping for,...
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SAFE Mortgage Loan Originator Test - National Component with Uniform St/ LATEST EXAM PREDICTIONS UPDATES, APPROVED. ate. Exam Questions and answers, Verified/
- Exam (elaborations) • 35 pages • 2024
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SAFE Mortgage Loan Originator Test - 
National Component with Uniform State. 
Exam Questions and answers, Verified/ 
What does UST stand for? - -Uniform State Test 
Who does the CFPB protect? - -The Consumer Financial Protection Bureau protects consumers in 
the financial marketplace. 
What does the CFPB do? - -CFPB is now in charge of implementing and enforcing most of the 
provisions of federal lending laws that relate to protecting consumers while they are shopping for, 
securing, and pay...
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NMLS Laws and Regulations (100% Correct Answers)
- Exam (elaborations) • 35 pages • 2023
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Available in package deal
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CFPB correct answers Consumer Financial Protection Bureau 
 
What does the CFPB do? correct answers Regulates RESPA, TILA, ECOA, and HMDA 
 
FTC correct answers Federal Trade Commission 
 
What does the FTC do? correct answers Monitors Red Flag Rules 
 
RESPA correct answers Real Estate Settlement Procedures Act 
 
What does RESPA do? correct answers •Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. 
•Educates borrowers costs of loan 
• Eliminates ...
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ASREB Exam Practice Questions and Answers
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ASREB Exam Practice Questions and Answers 
types of loans - Correct Answer ️️ -FHA loan, Conventional loan, VA loan 
FHA loan - Correct Answer ️️ -MIP (Mortgage Insurance Premium) 
Two types (Upfront and Monthly) 
Conventional loan - Correct Answer ️️ -PMI (Private Mortgage Insurance) 
Drops off automatically at 78% loan to value (LTV) 
Ask for removal at 80% loan to value 
VA Loan - Correct Answer ️️ -Funding Fee based on value 
USDA loan - Correct Answer ️️ -loan is zero do...
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