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1 TrainingPro: 8 Hour Massachusetts SAFE Comprehensive _ Maintaining Momentum in the Changing Mortgage Marketplace (Course Number: 2769) Online Self-Paced Class Syllabus Course Dates: Purpose of the Course: Course Description: This program is self-paced by the student. Thus, does not require a start and end date. The mortgage profession has undergone many recent changes - legislative and operationally - and more changes are on the horizon. 8 Hour Massachusetts SAFE Comprehensive: Maintaining Momentum in the Changing Mortgage Marketplace was developed to help the Massachusetts mortgage loan officer navigate through the many legislative initiatives while maintaining the spirit your company needs to prosper. In addition, students will review key terms, practices, and laws related to the Massachusetts mortgage industry. Students will receive 8 hours of continuing education credit upon the successful completion of this course. 8 Hour Massachusetts SAFE Comprehensive: Maintaining Momentum in the Changing Mortgage Marketplace is NMLS-approved for eight hours of continuing education. This course includes the seven hours of mandated content required as part of the 8 hour yearly continuing education requirement set forth in the SAFE Act, as well the one hour of mandated Massachusetts law required by the state. Students will take a close look at how the enormous Dodd-Frank Act is impacting the mortgage industry. The course reflects on the latest in ethical and fair lending, including a review of recent developments in the appraisal industry as well as the Fraud Enforcement and Recovery Act. From a product standpoint, this course takes a close look at the adjustable rate mortgage, its past, present, and future. Mortgage professionals are invited to then review steps that the federal government, state governments and community organizations are taking to protect Massachusetts homeowners as well as bolster the integrity of lending. Module 1: The Dodd-Frank Act and its Impact on the Mortgage Industry: The enactment in July 2010 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) is the most significant legislative response to the collapse of the economy that began with the 2007 meltdown of the mortgage lending market. The law addresses a broad range 1 (V3.0)

2 of issues that relate to financial and investment activities, including mortgage lending and investing. The focus of this course is on those portions of the law that relate to the mortgage market. Module 2: The Next Phase in the Battle Against Mortgage Industry Fraud: With the enactment of the Fraud Enforcement and Recovery Act (FERA) and the promulgation of new appraisal rules, federal legislators and regulators have attempted to address the ethical issues of falsifying mortgage loan documents and overvaluing properties used to secure mortgage loans. The following course material will review these new requirements under the law and the regulations. The course will also address the importance of fair lending in mortgage loan transactions with a review of the Equal Credit Opportunity Act (ECOA). Module 3: Adjustable Rate Mortgages and Their Place in the Current Market: Recent legislative changes in response to issues in the mortgage industry as well as the aftermath of the financial market crisis have altered the way mortgage professionals conduct business. As a result, the mortgage product offerings available to consumers are ever changing. However there are some basic constants in product type that are worth examining. This course will focus on the role of the adjustable rate mortgage (ARM) in the current mortgage marketplace; considering the changing consumer sentiment, the effects of additional government regulations and the reaction of the secondary market. Module 4: Homeowners and Lenders Rights in the Massachusetts Foreclosure Process: Foreclosure the process where a mortgage holder takes steps, such as selling a property at auction, to protect its investment when a homeowner has defaulted on a loan has become one of the hottest topics in the real estate and mortgage industries. In essence, the U.S. has experienced an unhappy convergence of a period of too-easy home loan credit, in which home ownership rates reached all-time highs, followed directly by a recession that caused real estate values, incomes and wealth all to plummet. In trying to fashion an appropriate response to the foreclosure crisis, the concern is not only with individual borrowers but also with the effect widespread foreclosures have on communities and neighborhoods. Defaults and foreclosures have also wreaked havoc on the mortgage industry as lenders struggle with bad loans on their books. Mortgage professionals are invited to review steps that the federal government, state governments and community organizations are taking to 2 (v3.0)

3 protect homeowners as well as bolster the integrity of lending. Course Materials Students will be able to view the course online and be able to download the course content in PDF form if necessary. Please note, the option to download the course material in a PDF format will only be available after the module has been successfully completed within the online platform. The student will complete all exercises and quizzes through their personal computer via the internet. Course progress will be monitored by TrainingPro. Module 1 The Dodd-Frank Act and its Impact on the Mortgage Industry 3 Hours In Module 1:The Dodd-Frank Act and its Impact on the Mortgage Module 1 Industry, participants will: Consider the historical context of lending and how downfalls in the financial industry brought about sweeping legislation Explore the provisions of the Dodd-Frank Act known as the Mortgage Reform and Anti-Predatory Lending Act which apply to mortgage lending, including: o Mortgage loan originator compensation o Repayment ability o High-cost mortgages o Office of housing counseling o Mortgage servicing o Appraisal activities o Mortgage resolution and modification Review the creation of the Consumer Financial Protection Bureau Learn about the Consumer Financial Protection Bureau s program for examining state-licensed mortgage lenders and brokers Briefly analyze improvements to the Regulation of Securities Act Module 2 The Next Phase in the Battle Against Mortgage Industry Fraud 2 Hours In Module 2: The Next Phase in the Battle Against Mortgage Industry Module 2 Fraud, participants will review the interim final appraisal rule by addressing: The mortgage professionals and mortgage transactions that are subject to the rule Prohibited practices created by the interim final appraisal rule Safe harbor requirements that creditors can use to avoid violation of 3 (v3.0)

4 the prohibition against conflicts of interest Requirements for payment of customary and reasonable fees to appraisers Presumptions of compliance with the requirement to pay customary and reasonable fees to appraisers Requirements for lenders and settlement service providers to file reports on appraiser misconduct with state licensing authorities In addition, Module 2 will review FERA and other laws related to mortgage fraud by addressing: The provisions of FERA that relate to mortgage lending and the compliance concerns that these provisions raise Other federal laws that allow prosecutors to bring actions against mortgage professionals for fraudulent activity in the mortgage lending market Enforcement actions that the FBI and the Attorney General s Office have initiated in 2011 Module 2 will also provide an overview of the professional and ethical standards set forth in the Uniform Standards of Professional Appraisal Practice (USPAP). In order to underscore the importance of fair lending, even in the wake of great mortgage industry adjustments, the course will also review the Equal Credit Opportunity Act. Module 3 Adjustable Rate Mortgages and Their Place in the Current Market In Module 3: Adjustable Rate Mortgages and Their Place in the Current Market, participants will: Module 3 2 Hours Briefly review the Guidance on Nontraditional Mortgage Product Risks, including the effects of the disappearance of the subprime product line Take a look at the history and evolution of the ARM product, define common ARM components, review some popular products, appropriate usage, and the risks and rewards of choosing an ARM Discuss the importance of loan suitability and consumer communication when evaluating the proper application of an adjustable product Evaluate the mechanics of ARM adjustments, and review examples Discuss the future of the ARM product 4 (v3.0)

5 Module 4 Homeowners and Lenders Rights in the Massachusetts Foreclosure Process Module 4 1 Hour In Module 4: Homeowners and Lenders Rights in the Massachusetts Foreclosure Process, participants will: Examine the federal and Massachusetts legislative responses to widespread foreclosure issues Study the foreclosure guidelines, procedures and safeguards in place in the Commonwealth of Massachusetts Learn about state-level legislation concerning: o Consumer protection from predatory lending and foreclosure scams o Loan modifications, refinancing and rights to cure o Conduct of debt collectors Course participants will also have the opportunity to consider several discussion scenarios aimed at presenting the course material as it is applicable to real life examples. Course Activities: Students will review all course material online. The content can be found on the student s TrainingPro personal profile. In-Course Activities: Throughout the duration of the course, students will be presented with Test Your Knowledge pop-up questions within each module. Students must attempt to answer these questions before they will be permitted to move forward. Modular Quizzes: Students must pass, with no less than a 70%, a ten (10) question Quiz are the end of EACH Module. Students are required to successfully pass EACH quiz before they can proceed to the final exam. Final Examination: After the student has reviewed the entire course, and met all other course requirements, they must complete a final exam consisting of twenty five 5 (v3.0)

6 (25) questions. The student must pass the exam at a rate of 70% in order to complete the course. Attendance: Students will be required to answer one identity verification question, to assure their identity, each time they log into their online course. This may include a question regarding their last four digits of their social security number, NMLS unique identifier number, family members, street names, etc. Students must choose and answer the question prior to entering the course for the first time. This is a timed course. Students must spend no less than eight (8) clock hours within this course before it can be marked as complete. Each module contains its own timing requirement that must be met before proceeding to the next module. Students will be logged out of their course if there is no detected activity after six (6) minutes. Students may not earn more than fifteen (15) minutes per page. Those who wish to spend additional time on a given page are allowed to do so, but that time will not count toward their overall credited time. Attendance will be monitored and verified by TrainingPro. Student Behavior: End of Course Completion Requirements: Students are expected to conduct themselves in a professional manner while taking the online course. Students are expected to conduct themselves in accordance TrainingPro s policies. If a student violates the law (i.e.; illegal drug or alcohol use, smoking in a non-smoking facility, assault, battery, etc) the proper authorities will be notified and prompt action will be taken in accordance with the nature of the violation. Students who violate TrainingPro student conduct policies are subject to disciplinary actions up to and including dismissal from the program. Students are required by law to attend and complete the online self-paced course. If the student is found to have another individual completing the course, or is in violation of any rules assigned upon the course, the student will forfeit their right to complete the course and will subsequently permanently locked out of the course, making them unable to complete the course. If a student is dismissed from the program, they may be allowed to return to the program pending the outcome of a meeting with the Education Director. Any time that has been missed of the program, the student must make up. Students must successfully complete all course exercises, as well as pass a twenty five (25) question final examination with a 70% or higher. The course cannot be completed if the student has not met the timing, exercise 6 (v3.0)

7 and examination requirements Contacts: Course Instructor: (410) Customer Service and Technical Support: (877) (v3.0)

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