Hmda - Study guides, Class notes & Summaries
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SAFE MLO Exam Prep Questions with Complete Solution
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ECOA is Regulation ______ - ANSWER Regulation B 
TILA is administered by ______ - ANSWER CFPB 
HOEPA considers a loan to be high cost if total charges to borrower exceeds ______ % of loan 
amount? - ANSWER 5% 
For reverse mortgage, TILA disclosure must be delivered how many days prior to closing? - 
ANSWER 7 days 
Home Mortgage Disclosure Act (HMDA) implemented by _____ - ANSWER FRB 
Loan amount, gender, race, & age; which is not required on HMDA? - ANSWER Age 
HMDA does not - ANSWER Set lending...
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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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S.A.F.E Mortgage Loan Originator Exam 100% Correct
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S.A.F.E Mortgage Loan Originator Exam 
 
100% Correct 
 
GLBA Gramm-Leah-Bliley Act 
 
FTC Federal Trade Commission 
 
FCC Federal Communications Commission 
 
NPI Non-public Personal Information 
 
Consumer Individual who obtains financial services for personal use 
 
Customer Continuing relationship with a financial institute 
 
EBR Established Business Relationship 
 
FACTA Fair Credit Reporting Act (Original FCRA) 
 
FHA Fair Housing Act & Federal Housing Administration 
 
ECOA Equal Credit ...
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NMLS SAFE EXAM PREP 2023 WITH 100% CORRECT ANSWERS
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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 al
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SAFE MLO Exam Prep | Questions with 100% Correct Answers | Verified | Latest Update 2024
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ECOA is Regulation ______ - Regulation B 
TILA is administered by ______ - CFPB 
HOEPA considers a loan to be high cost if total charges to borrower exceeds ______ % of loan amount? - 
5% 
For reverse mortgage, TILA disclosure must be delivered how many days prior to closing? - 7 days 
Home Mortgage Disclosure Act (HMDA) implemented by _____ - FRB 
Loan amount, gender, race, & age; which is not required on HMDA? - Age 
HMDA does not - Set lending quotas for protected classes 
Bankruptcies are ke...
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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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MLO SAFE NMLS safe test practice questions and (VERIFIED) answers rated A
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Taking advantage of ill-informed consumers through excessively high fees, misrepresented loan terms, 
frequent refinancing that does not benefit the borrower and other prohibited acts is called 
__________________________. - Predatory Lending. 
RESPA-Real Estate Settlement Procedures Act - The Federal Statute that deals with the settlement 
of residential mortgage loans. 
RESPA's section 9 Prohibits - Home sellers from requiring home buyers to purchase title insurance 
from a particular company...
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NMLS Mortgage Loan Originator UPDATED Exam Questions and CORRECT Answers
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NMLS Mortgage Loan Originator 
UPDATED Exam Questions and 
CORRECT Answers 
ECOA - CORRECT ANSWER- Equal Credit Opportunity Act (Reg B) 
HMDA - CORRECT ANSWER- Home mortgage disclosure act (reg c) 
TILA - CORRECT ANSWER- Truth-In-Lending Act, Regulation Z 
FCRA - CORRECT ANSWER- Fair Credit Reporting Act - Regulation V
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Prepxl Practice Test 3 Questions With All Correct Answers Already Passed!!
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In January of 2020, Wella and Kip agreed to purchase a home at a purchase price of $546,300. They 
would like to hold onto as much of their savings as they can, but they have chosen to make a down 
payment sufficient enough to qualify for a conforming loan. What is the minimum down payment they 
can make to reach the conforming loan limit but still retain savings? 
- $47,900 
- $35,900 
- $95,800 
- $54,900 - $35,900. 
The down payment in this scenario will be $35,900. This is just enough to kee...
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MLO SAFE NMLS Test Practice Questions
- Exam (elaborations) • 57 pages • 2024
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MLO SAFE NMLS Test Practice Questions 
 
Taking advantage of ill-informed consumers through excessively high fees, misrepresented loan 
terms, frequent refinancing that does not benefit the borrower and other prohibited acts is called 
__________________________. - Predatory Lending. 
 
RESPA-Real Estate Settlement Procedures Act - The Federal Statute that deals with the 
settlement of residential mortgage loans. 
 
RESPA's section 9 Prohibits - Home sellers from requiring home buyers to purcha...
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