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Manual Underwriting Case Studies Web Module is entirely hands-on practice: it provides an opportunity for
participants to apply principles and guidelines for manually underwriting loans for sale to Fannie Mae and Freddie
Mac. The module provides three case studies and asks you to answer questions using Fannie Mae and Freddie Mac
guidelines.

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The goal of this course is to describe the TILA-RESPA Integrated Disclosure (TRID) rule and its requirements. TRID
Compliance Basics begins with an overview of the TRID rule, explaining the background and scope of the rule and
introducing the related disclosures. The course then presents the Loan Estimate and Written List of Providers forms,
describing pre-disclosure requirements and restrictions. Next, the course addresses the tolerance rules that govern
acceptable variances between the Loan Estimate and the Closing Disclosure along with the circumstances that require
re-disclosure. Toward the end of the course, the Closing Disclosure form and associated timing and delivery
requirements are presented. The course concludes with a discussion of enforcement and liability related to TRID.

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The 2015 Update to the HMDA Rule course provides an overview of these important changes. The course includes a
brief background on the origins and purposes of HMDA and explains how the Dodd-Frank Act drives the changes in the 2015 HMDA rule. Next, the course presents the key changes to the rule, including coverage criteria for institutions,
covered transactions, new data fields, and the new reporting process. The course concludes with a discussion of the
impacts of these changes for lenders and what lenders should start thinking about today to ensure a successful
implementation. For institutions in the multifamily lending business, the course highlights and explains critical changes they need to be aware of, including the revised definition of dwelling to include multifamily properties and reporting on income restricted units. The changes to the rule in the area of covered institutions and threshold criteria will bring in new reporters. This course will help them understand the basics of the 2015 HMDA rule; however, new reporters should be sure to get complete background on HMDA and may benefit from consulting with legal counsel to fully understand their obligations.

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This course addresses the requirements of the acts and regulations designed to provide consumers with certain rights
regarding the disclosure of non-public personal information held by financial institutions and to help curb identity
theft. These laws:
 Regulate how non-public consumer information is collected, disclosed, and shared.

 Impose requirements on credit reporting agencies to ensure fair and accurate reporting.
 Grant consumers the right to:
o Access the information that creditors use to make credit decisions.
o Dispute inaccurate or incomplete information.
 Limit access to consumer credit information and how that information is used.
 Protect consumers against identity theft.

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