What is the fcra - Study guides, Class notes & Summaries
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USAA Auto Insurance Terms EXAM QUESTIONS CORRECTLY ANSWERED
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USAA Auto Insurance Terms 
EXAM QUESTIONS CORRECTLY 
ANSWERED 
Terrorism Risk Insurance Act (TRIA) - ANSWER In 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 - ANSWER In 2005 
legislation was modified and coverage was extended by the 
Terrorism Risk Insurance Extension Act 
FCRA- when, what, and what it stands for - ANSWER ...
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HUD Certification Exam questions fully solved & updated
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Deed Restrictions 
Legally enforceable terms that govern the use of real estate 
 
 
 
Redlining 
The practice of refusing to make residential loans or imposing more onerous terms on any loans made because of the predominant race, color, national origin, religion, sex, disability, or familial status of the area's residents. 
 
 
 
Civil Rights Act of 1968 
Following the assassination of Dr. Martin Luther King Jr., Congress passed what monumental piece of legislation, which prohibits discriminat...
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Nmls Safe Exam Prep With 100% Correct And Verified Answers
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Nmls Safe Exam Prep With 100% Correct And Verified Answers 
ECOA - Reg B - Correct Answer-Equal Credit Opportunity Act 
 
HMDA - Reg C - Correct Answer-Home Mortgage Disclosure Act 
 
RESPA - Reg X - Correct Answer-Real Estate Settlement Procedures Act 
 
TILA - Reg Z - Correct Answer-Truth In Lending Act 
 
HPA - Correct Answer-Home-owner Protection Act 
 
PMI is required when - Correct Answer-Borrower puts less than 20% down 
 
ECOA deals with - Correct Answer-credit applications 
 
HMDA allow...
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NMLS SAFE EXAM PREP QUESTIONS AND ANSWERS
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NMLS SAFE EXAM PREP QUESTIONS AND ANSWERS 
 
HMDA allows to see - Answer-where possible discrimination takes place 
 
Where is HMDA found - Answer-Section 10 of the 1003 loan app 
 
PMI - Answer-Private mortgage insurance 
 
TILA deals with - Answer-advertising of loans, cerdit, APR 
 
PMI protects who - Answer-The Lender 
 
SAFE - Answer-Secure And Fair Enforcement Act 
 
HERA - Answer-Housing and Economic Recovery Act 
 
HERA created what act - Answer-SAFE Act 
 
FCRA - Reg V - Answer-Fair Cre...
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USAA Auto Insurance Terms with Complete Solutions
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USAA Auto Insurance Terms with Complete Solutions 
 
Terrorism Risk Insurance Act (TRIA) - Answer-In 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 - Answer-In 2005 legislation was modified and coverage was extended by the Terrorism Risk Insurance Extension Act 
 
FCRA- when, what, and what it stands for - Answer-In 1970 the Fair...
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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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MLO National Exam Questions with Complete Solutions | A+ Grade
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According to the FCRA, when must a credit agency give a consumer a free copy of his credit report? 
A.)If the loan application is denied because of information in the report 
B.) Whenever he request it A.)If the loan application is denied because of information in the report 
A Consumer comes into your office to apply for a loan. The Home Mortgage Disclosure Act requires you 
to collect information about her race. If she does not wish to provide information for that section of the 
application, ...
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MLO National Exam Question and answers rated A+ 2023/2024
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MLO National Exam Question and answers rated A+ 2023/2024 
According to the FCRA, when must a credit agency give a consumer a free copy of his credit report? 
 
A.)If the loan application is denied because of information in the report 
 
B.) Whenever he request it - correct answer A.)If the loan application is denied because of information in the report 
 
A Consumer comes into your office to apply for a loan. The Home Mortgage Disclosure Act requires you to collect information about her race. I...
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USAA Auto Insurance Terms with Complete Solutions (1)
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USAA Auto Insurance Terms with Complete Solutions (1) 
Terrorism Risk Insurance Act (TRIA) - Answer-In 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 - Answer-In 2005 legislation was modified and coverage was extended by the Terrorism Risk Insurance Extension Act 
 
FCRA- when, what, and what it stands for - Answer-In 1970 the Fai...
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HUD Housing Counseling Exam Correct 100%
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Rental Obstacle + Solutions: Low Income - ANSWER -Some Renters reject people whose Rent would be more than 30% of GMI 
-Solutions 
-Apply for Housing Assistance 
-Expand housing search areas 
-Get a roommate 
-Move in w/family or friends 
 
Strategies for decreasing expenses and debt - ANSWER Prioritize "needs over "wants" 
-reduce or eliminate "wants" 
-cancel or downgrade services(e.g. cable, telephone) 
-limit miscellaneous spending 
- stick to a shopping list 
- pay off a loan or credi...
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