DFPI Bulletin Digest: February 2023
The February 2023 DFPI Bulletin focuses on natural disaster guidance, crypto assets, and MLO reports.
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Tag: consumer mortgages
Letter to the editor: How do I tell the difference between a business and consumer mortgage?
Knowing the difference between the two will help MLBs identify more streams of income during the recession.
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MLO recession survival guide Part 4: Arranging mortgage originations for investors
Discover how to solicit and work with property investors during a recession.
Read MoreCFPB Review: What is HMDA?
Watch this video to learn the critical consumer protection goals of the Home Mortgage Disclosure Act (HMDA).
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Letter to the Editor: Explaining California MLO licensing and endorsement
We answer your questions about MLO licenses.
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Identity theft prevention for MLOs and MLBs
This article discusses the identity theft prevention program which mortgage loan originators...
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The consumer mortgage call report
This article discusses the quarterly mortgage call report filed by mortgage loan originators (MLOs) with the NMLS.
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Mortgage loan originator licensing transitions
Know what to do when your employment requires a transition from one mortgage loan originator (MLO)...
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California SAFE Act mortgage loan originator (MLO) license requirements
So, you want to originate consumer mortgages? Read on for an explanation of the different MLO...
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Late charges and grace periods
A refresher course on late charges—plus new rules for consumer mortgages.
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Prepayment penalty provisions
Where and when prepayment penalties are permitted in the post-Dodd-Frank era.
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Changing the terms of a mortgage
The basics of negotiating to modify the terms of a mortgage.
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