Also called churning, is repeated refinancing of a loan w/I a short period of time, w/o any real benefit to the borrower
A financial institution must report to FinCEN single or structured currency transaction that exceed $10k using a ___. abbr.
The process of combining criminal proceeds with legal funds to provide legitimate ownership
2 wd.These payments are periodic payments of principal & interest that when paid according to the repayment schedule will fully repay the loan over its term
2 wd. Any loan that is not a 30 year fixed-rate loan.
3 wd. was enacted to assist homeowners in the cancellation & termination of PMI once the requirement to maintain it had passed. This law applies to most conventional, first lien residential mtg's; does not apply to VA or FHA backed loans or second mortgages
2 wd. A reverse mortgage is a loan available to homeowners ___ years or older.
2 wd. Charges for early payoff on a loan.
___ requires specific disclosures on loans with APR's more than 6.5% points on first liens, & more than 8.5 percentage points on subsequent liens above the average prime offer rate. abbr.
Any person placing an advertisement for consumer credit must comply w/ the advertising requirements of ______.
__ recommendations are approve, refer, eligible, ineligible.
The process of introducing unlawful proceeds into the financial system
A loan that is taken out for a period of 2 weeks to 3 years while longer-term financing is obtained.
Established requirements for credit reporting
Down
The process of separating the criminal proceeds from their criminal origins using financial transaction in one or more accts
The inclusion of costs such as points; mts broker fees; prepayment penalties; & charges for addtl related products in the loans principal amount. They do this w/o the borrower informed consent
(2 wd) Can include higher credit scores, lower LTV and DTI scores, significant liquid assets, mtg ins. or other credit enhancements, but not higher pricing.
3 wd. These loans involve the use of a closed end second lien or a HELOC originated simultaneously w/ a first lien mtg loan in order to avoid the need for a higher down payment. These loans increase credit risk.
Making cash deposits or withdrawls at dollar values of $10k or less; making them at multiple teller windows on a single banking day, or making them at multiple branch locations or by multiple individuals into a single acct on a single day
4 wd. Under the ______ a creditor may not make a covered loan unless they make a reasonable and good faith determination @ or before consummation that the consumer will have a reasonable ability to repay the loan according to its terms
What is another term for a reverse mortgage? abbr.
2 wd. occurs when a borrower's mtg payment rises sharply at a rate adjustment
__ recommendations are accept, accept plus, caution, refer
2 wd. is a government cop w/I HUD. Its purpose is to increase the supply of credit available for housing by directing funds from the securities market into the mtg market.
This type of loan allows a borrower to make no mortgage payments. abbr.
____ was designed to prevent financial institutions in the US from being used to launder money. abbr.
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