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Looking for mortgage license courses in North Carolina? OnCourse Learning Financial Services is an online mortgage license school offering a full suite of Mortgage Loan Originator (MLO), Mortgage Broker pre-licensing training & continuing education courses in the state of North Carolina. This includes the 24hr NMLS approved pre-licensing courses or 4hr North Carolina state required courses. Learn at your own pace with our convenient, cost effective and NMLS approved loan officer license courses.

Structuring Ownership in Commercial Real Estate

SKU : 503SC078001

Credit Hours | 6

Category | Continuing Education

$54.00

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Commercial real estate is very different from residential. This course breaks down in detail the different types of property ownership that are mainly unique to commercial real estate. The topics of each included are taxes, set up, regulations, liability, management, benefits and drawbacks.

Concepts in Appraising Green Residential Buildings

SKU : 503NC307001

Credit Hours | 4

Category | Continuing Education

$49.00

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Green construction continues to grow in popularity all over the world and can make an impact when appraising residential buildings. This 4-hour continuing education course will help real estate appraisers understand the definition of environmentally-friendly residences, the organizations that certify environmentally-friendly buildings as well as what green building techniques, features and amenities are. From the valuable content in this course, appraisers will be able to make a clear a decision on how the green features change the values of the building and whether the adjustments are full value or only partial value.

Countering Human Trafficking

SKU : 701099020b

Category | Professional Development

$150.00

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This course is the second of two courses that introduces the topic of human trafficking.  The focus for this course engages the viewer to recognize the various red flags that may be identified based on whether the observable behavior or transaction is human smuggling or human trafficking. Reporting is a key issue; therefore, various aspects will be explored.

Introduction to Human Trafficking

SKU : 701099019b

Category | Professional Development

$150.00

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This introductory course is one of two courses on human trafficking. It will provide an overview of human trafficking and introduce the various aspects of this growing and heinous crime. While many different thoughts about this topic may come to mind, it’s important to sift through the myths and truly understand and know what human trafficking looks like and how it operates. In doing so, this may be the best way to combat it.  

Human Trafficking Awareness Suite

SKU : 701099018b

Category | Professional Development

$250.00

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The human trafficking course bundle provides you with the knowledge about the heinous crimes of human trafficking, human smuggling and arms you with tools to identify and combat these crimes. The first course, Introduction to Human Trafficking, key terms such as human smuggling and human trafficking were defined and differences highlighted. A basic understanding of the types and stages of human smuggling and human trafficking were presented. How human trafficking works was also covered by looking at the mindsets of the trafficker and victim. The focus for this course engages the viewer to recognize the various red flags that may be identified based on whether the observable behavior or transaction is human smuggling or human trafficking. Reporting is a key issue; therefore, various aspects will be explored. 

PLATINUM: Mortgage Exam Prep Suite with Prep xL Personalized Learning

SKU : national-nmls-mortgage

Category | Exam Prep

$199.00

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Take your Mortgage License Exam Prep to the next level with personalized learning!

This online Platinum Mortgage Exam Prep Suite includes Prep xL Personalized Learning, a sophisticated mortgage exam prep tool for anyone that is preparing to take their mortgage license exam. It leverages personalized learning technology to tailor study materials and create customized learning paths to help ensure you pass the NMLS mortgage exam on your first try! Perfect for individuals who have limited experience in the mortgage industry and need to pass the NMLS mortgage exam.

This package includes:

- NMLS Exam Test-Taking Tips

- SAFE Mortgage Loan Originator National + UST Content Material

- OVER 1200 questions

- Eight Simulated Exams

- OVER 800 Interactive Flashcards

- Personalized Dashboard

- Real-time Reports

- Mobile Compatible

NOTE: This is not an NMLS-approved course and will not satisfy the pre-license education requirements.

Interactive PDT: Underwriting

SKU : 4306US00650A00

Category | Professional Development

$39.00

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Underwriting is the process of evaluating a loan applicant’s financial information and facts about the real estate used to secure a loan to determine whether a potential loan is an acceptable risk for a lender. This professional development online course examine underwriting standards and guidelines, help students understand the various responsibilities of the underwriter, review how to properly complete and organize a file for submission to the underwriter, and explore common underwriting pitfalls.

Interactive PDT: The SAFE Act

SKU : 4306US00640A00

Category | Professional Development

$29.00

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The section of HERA that affects mortgage professionals immediately and most extensively is the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). This professional development online course explains the SAFE Act and its related topics in detail. The purpose of the legislation is addressed, as well as the requirements for mortgage loan originators instituted by the Nationwide Mortgage Licensing System (NMLS). The following requirements are outlined in detail: licensing and registration, background checks, and education and testing. How to create an account within, file with, and gather information for the Nationwide Mortgage Licensing System and Registry is also explained.

Interactive PDT: Appraisals

SKU : 4306US00620A00

Category | Professional Development

$49.00

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In this course, participants will learn the basics of the property appraisal process. This includes a review of the Uniform Standards of Professional Appraisal Practice (USPAP), which govern appraiser conduct, and the entities and regulations that apply to appraisal activities. This professional development online course will also briefly discuss recent changes to federal law that impact appraisal requirements, including standards for providing appraisal reports and related disclosures. Finally, students will learn about the three approaches that professional appraisers use when developing a property valuation, and will explore the appraisal process step by step.

Interactive PDT: Title Insurance

SKU : 4306US00610A00

Category | Professional Development

$39.00

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This course concentrates on one of the basic concepts related to the mortgage loan cycle: title insurance. This professional development online course will provide students with an overview of reasons for title insurance, types of title insurance, and key elements of title. It also discusses the steps in the title process and some important details of the closing and post-closing process.

Interactive PDT: The USA PATRIOT Act

SKU : 4306US00600A00

Category | Professional Development

$29.00

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The portions of The PATRIOT Act that impact mortgage lending transactions are contained in Title III, which is called the “International Money Laundering Abatement and Anti-Terrorist Financing Act of 2001.” Congress authorized The Department of the Treasury to implement Title III of The PATRIOT Act. An agency within the Treasury Department known as the Financial Crimes Enforcement Network (FinCEN) has primary responsibility for investigating, identifying, and reporting information on money laundering and other financial crimes. This professional development online course will review the various provisions of the PATRIOT Act, as they pertain to mortgage transactions.

Interactive PDT: The Telemarketing Consumer Fraud and Abuse Prevention Act

SKU : 4306US00590A00

Category | Professional Development

$39.00

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Privacy rights are a significant concern for mortgage professionals who are involved in the solicitation of mortgage loans. The Telemarketing Consumer Fraud and Abuse Prevention Act and the Telemarketing Sales Rule protect the privacy of borrowers, and violation of these can result in serious liability. This professional development online course reviews the privacy laws that protect borrowers when they receive a solicitation for a mortgage loan.

Interactive PDT: The Servicemembers Civil Relief Act

SKU : 4306US00580A00

Category | Professional Development

$39.00

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This professional development online course provides an overview of the Servicemembers Civil Relief Act (SCRA) and its applicability to financial institutions. Signed into law on December 19, 2003, the SCRA revised the Soldiers’ and Sailors’ Civil Relief Act (SSCRA) of 1940. Though the SCRA provides a variety of protections for servicemembers, this course addresses those provisions that may affect financial institutions. The provisions of the SCRA discussed in this course include protections against default judgments, stays of civil proceedings, rent and mortgages, installment contracts, interest rate protections, and fines and penalties for violations.

Interactive PDT: The Mortgage Profession

SKU : 4306US00570A00

Category | Professional Development

$69.00

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Mortgage origination is an exciting career; few other professions allow individual exposure to a number of different industries and interesting challenges. With a foot in both the real estate market and the financial industry, mortgage professionals participate in one of the most important financial decisions that many consumers make over the course of their lives. Good communication skills and the ability to appropriately advise borrowers are essential to a successful loan origination. An understanding of how the industry operates and knowledge of the factors critical to originating good loans are also important components. This professional development online course examines all of these and more, reviewing the roles of various “players” in the industry, important considerations in the borrower qualification process, and the essentials of the loan cycle. Students will also learn some of the mathematics of mortgage lending, and learn how all of these elements fit together to ensure a smooth, safe mortgage loan origination process.

Interactive PDT: Third-Party Vendor Management

SKU : 4306US00560A00

Category | Professional Development

$99.00

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Third-party vendor management is a hot topic for all organizations providing financial services. Several federal regulators, including the Federal Reserve Board, OCC, Consumer Financial Protection Bureau, FFIEC, and more, have issued guidance on how financially-related organizations should be managing third parties. This professional development online course introduces the concept of third-party vendor management, explains it as an element of risk management, reviews the regulatory requirements and expectations surrounding it, and also identifies best practices.

Interactive PDT: The Flood Disaster Protection Act

SKU : 4306US00550A00

Category | Professional Development

$39.00

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Considerations for flood protection must be made for certain financial transactions. In this professional development online course, students will review the Flood Disaster Protection Act to learn how it applies to the operations of mortgage professionals. Students will explore the origins of the FDPA, its most essential provisions, and the impact of recent legislation on the Act itself and on the industry in affected areas.

Interactive PDT: The FHA Factor in Mortgage Lending

SKU : 4306US00540A00

Category | Professional Development

$69.00

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Changes in the mortgage lending marketplace have returned government products to a level of popularity that has not been seen in a number of years. In order to stay competitive in the current industry, it is beneficial for mortgage professionals to understand the world of government-backed lending and how it differs from conforming and conventional lending. In this professional development online course, participants will review the role of the Federal Housing Administration and the latest requirements and changes involved in becoming an FHA lender. Students will also explore FHA programs and their unique features, discuss the FHA’s primary programs and the qualifying factors involved in origination, and review the origination and processing steps for FHA loans.

Interactive PDT: Mortgage Math

SKU : 4306US00510A00

Category | Professional Development

$39.00

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Successful loan originators need to have a solid grasp of the concepts and calculations required in order to present clear solutions for their customers. While the use of a financial calculator or other software can be helpful in quickly completing difficult computations, it is crucial for mortgage professionals to understand the basic concepts behind common loan origination calculations; advanced number concepts allow the loan originator to look more deeply into the benefits of a transaction for the borrower. In this professional development online course, students will explore the fundamental financial calculations of loan origination. Concepts learned include principal and interest payments, income determinations, DTI and LTV ratios, periodic and per diem interest, and more. Students will learn formulas for these calculations and others, such as discount points and closing costs, and will apply their knowledge through several interactive scenarios to test their new skills.

Interactive PDT: Safeguarding Information: The Gramm-Leach-Bliley Act

SKU : 4306US00500A00

Category | Professional Development

$49.00

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This professional development online course explores various aspects of the Gramm-Leach-Bliley Act (GLB Act). It discusses the purpose of the GLB Act, the protections offered under its provisions, details of the various privacy and opt-out notices it requires, and the differences in these requirements for consumers versus customers. The course will also discusses practices prohibited and limited by the Act, as well as penalties for violations.

$49.00

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For over 70 years, the United States Department of Agriculture’s (USDA) Rural Development Program has focused on improving the economic and social welfare of rural America. USDA’s Single Family Housing Programs provide homeownership opportunities to low- and moderate-income Americans living in rural areas. Beginning September 1, 2014, the USDA imposed a number of important changes to one of these programs: the Single Family Rural Housing Guaranteed Loan Program, or SFHGLP. These changes were codified in an Interim Final Rule, and were implemented with the goal of making the Program easier for borrowers and lenders alike. This professional development online course explores requirements for the Program, including eligibility for lenders, borrowers, and properties. Students will also learn about permitted and prohibited use of loan funds, the guarantee process, and how guaranteed loans are serviced.

Interactive PDT: The Fair Housing Act

SKU : 4306US00480A00

Category | Professional Development

$69.00

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As part of the Civil Rights Act of 1968, the purpose of the Fair Housing Act is to provide for fair housing throughout the country without constitutional limitations. It was the first law of its kind, creating prohibitions against acts and practices in the industry that were discriminatory based on factors such as religion, race, color, national origin, sex, familial status, or handicap. This professional development online course explore the significance of the Fair Housing Act, from its beginnings to its current role in the mortgage industry. Students will learn about the established protected classes, and get an in-depth look at prohibitions created to protect those classes from discrimination in mortgage transactions. Students will also learn about procedures for investigating and resolving complaints of violations, as well as penalties that may result.

Interactive PDT: TRID

SKU : 4306US00470A00

Category | Professional Development

$59.00

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The 2010 enactment of the Dodd-Frank Act brought about a number of sweeping legislative changes which have greatly impacted the way that mortgage lending business is carried out today. The TILA-RESPA Final Rule, which took effect in 2015, eliminates the use of today’s familiar mortgage disclosure documents (the Good Faith Estimate, TIL Disclosures, and HUD-1 Settlement Statement) and replaces them with two integrated disclosures: the Loan Estimate and the Closing Disclosure. As the October 3, 2015 effective date has passed, it is essential for mortgage professionals to become familiar with these forms and to understand how they will impact the mortgage process. This professional development online course takes students through each disclosure page by page and section by section, ensuring a thorough understanding of the new forms and the standards and requirements that come with them.

Interactive PDT: The Red Flags Rule

SKU : 4306US00460A00

Category | Professional Development

$49.00

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The continued growth of identity theft harms consumers and damages the mortgage industry. The Federal Trade Commission’s Red Flags Rule requires mortgage professionals to take steps to prevent this form of fraud. Observing the Law: The FTC Red Flags Rule explains how to identify and minimize the impact of identity theft in order to protect customers and their personal information. Course participants will understand the origins of federal efforts to fight identity theft, learn the overall requirements of the Red Flags Rule, gain a familiarity with the expectations that relate to the mortgage industry, and review specific steps that mortgage professionals can take in the loan origination process to detect and help prevent identity theft.

Interactive PDT: Reverse Mortgages

SKU : 4306US00450A00

Category | Professional Development

$69.00

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As more Americans begin to shift into the later stages of life, the “Baby Boomer” generation is, in many cases, looking for additional options to meet the financial demands of its golden years. One mortgage product that has experienced a surge in popularity in recent years has been the reverse mortgage. Reverse mortgage loans are available only to people who meet a certain age threshold and other requirements; while they do offer a way for seniors to meet the costs of living later in life, it is important for mortgage professionals and borrowers alike to understand both the benefits and the risks of reverse mortgage products. This professional development online course take students through a review of what exactly reverse mortgage loans are, the types of products available, and to whom they are best suited. In addition, students will explore government-insured reverse mortgage loans in-depth, understand prohibitions and regulations for these loan types under the law, and examine the steps of the reverse mortgage lending process.

Interactive PDT: Mortgage Loan Processing 101

SKU : 4306US00440A00

Category | Professional Development

$99.00

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Mortgage Loan Processing 101 provides an exciting crash course in the basic principles of loan processing. Participants will learn the responsibilities of a loan processor, important elements of the loan application process, the fundamentals of credit scoring, and more. This professional development online course will provide a basic introduction for loan processors that are new to the business, or for those professionals looking for a refresher. Students will have the opportunity to review information relating to automated loan origination and underwriting, including the most commonly used systems, as well as the avenues by which a loan processor may receive a new loan application. In addition, students will take a look at information relating to credit reports, appraisals, and important disclosures required by law. Finally, students will review important responsibilities related to documentation and verification, as well as time management strategies and ethical considerations.

Interactive PDT: Key Components of Credit Reports

SKU : 4306US00430A00

Category | Professional Development

$39.00

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The purpose of this professional development online course is to make the originator conversant in and knowledgeable of all aspects of the credit report, its contents, and its utility in the loan decision process. It is important to be familiar with the components of the credit report, how the report is compiled, and what the ultimate score will mean for a potential borrower. By examining the specifics of the credit report, one can better help the potential borrower understand the process and make a credit decision that is right for him or her.

Interactive PDT: The Mortgage Loan Cycle

SKU : 4306US00420A00

Category | Professional Development

$79.00

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The mortgage industry is undergoing unprecedented change, and the need for trained originators is at its height. Mortgage personnel are serving in a growing array of roles, and the possibility for continued expansion of these roles is unlimited. Although technological integration has made it possible for originators to quickly process and complete loan packages electronically, the need for well-trained and educated originators has not faded. This professional development online course concentrates on the basic concepts and practices related to the loan cycle, and will provide an overview of the process from origination to funding. Each of the steps of the loan cycle and the legal requirements related to each step will be reviewed.

Interactive PDT: Federal Foreclosure Laws and Regulations

SKU : 4306US00410A00

Category | Professional Development

$49.00

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This course looks at federal initiatives aimed at addressing the recent mortgage market crisis. Students will learn about federal efforts to curb harmful practices and create opportunities for struggling homeowners to regain ground and recover from the rampant foreclosures that took place from 2007 to 2011. This professional development online course discusses the circumstances that led to the market crisis, reasons behind the record numbers of foreclosures, and initial steps taken by the federal government to help the industry – and borrowers – bounce back. Areas covered include the Emergency Economic Recovery Act, HAMP, the MARS Rule, and the CFPB’s Mortgage Servicing Final Rules. Students will learn the background and details of each law and their applicability in today’s rebounding mortgage market.

Interactive PDT: Fast Track to Success: A Primer for New Mortgage Loan Originators

SKU : 4306US00400A00

Category | Professional Development

$89.00

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There are many facets to the role of a mortgage loan originator; consumers often depend on loan originators to guide them through their transaction. Loan originators who are new to the field of mortgage lending will also quickly learn that there are many steps to the lending process itself. Successful mortgage loan originators have a firm grasp of the many intricacies of their job, and know the importance of remaining well-informed in order to keep up in this fast-paced industry. This professional development online course will provide new mortgage loan originators with insight into the industry, giving them an opportunity to become familiar with the unique responsibilities and characteristics of the job. Students will also review some basics of the industry itself, to ensure that they are well-equipped with the knowledge necessary to start out on the right foot and find the fast track to success as a mortgage loan originator.

Interactive PDT: Exploring Loan Servicing

SKU : 4306US00390A00

Category | Professional Development

$49.00

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Mortgage servicers play a key role in the U.S. mortgage market, taking responsibility for the day-to-day management of mortgage loans on behalf of lenders and investors. The start of 2014 saw a new era of federal provisions to increase consumer protection in the mortgage market. The Mortgage Servicing Final Rules provide uniform minimum national standards for the industry, applying to all mortgage servicers, regardless of the type of servicer or ownership of the loan. The Rules implement the requirements set out in the Dodd-Frank Act and address other problems prevalent in the mortgage servicing industry. This professional development online course explore the Rules and their requirements, including those related to billing statements and information requests, error resolution, acceptance of payments, and loss mitigation. This professional development online course will also help students to understand policies and procedures, prohibitions, and the exemption for certain small servicers under the new regulations.

Interactive PDT: Ethical Dilemmas and the Fight against Mortgage Fraud

SKU : 4306US00380A00

Category | Professional Development

$59.00

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In Ethical Dilemmas and the Fight against Mortgage Fraud, students will learn about the ethical challenges faced by mortgage professionals prior to the market crash, legislation implemented to put a stop to these harmful practices, and how these efforts forever changed the face of the industry. In addition, students will learn the differences between predatory lending and mortgage fraud and how each presents their own risks to the safety of consumers and organizations alike, as well as various types of fraudulent and harmful practices and what they mean in a mortgage lending context. This professional development online course educates mortgage professionals on how they can equip themselves to avoid and prevent the pitfalls that led to the financial crisis – allowing them to protect not only their own businesses, but also the welfare of their clients and the industry as a whole.

Interactive PDT: Accurate and Ethical Advertising

SKU : 4306US00370A00

Category | Professional Development

$49.00

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This professional development online course will review the legal and ethical importance of truthful and accurate advertising. It also includes the new accountability standards for entities and individuals. The course will highlight some of the more important legislative changes related to advertising and accountability since the mortgage industry “meltdown.” Specific provisions addressed include those under the Truth-in-Lending Act (Regulation Z) and the MAP Rule (Regulation N). The course will also review some examples based on real advertising that has been distributed throughout the consumer marketplace.

Interactive PDT: CFPB Examinations: Understanding Procedures, Ensuring Compliance

SKU : 4306US00360A00

Category | Professional Development

$39.00

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The Consumer Financial Protection Bureau (CFPB) has the authority to conduct examinations of a number of entities participating in the financial industry, including mortgage professionals. In its comprehensive Supervision and Examination Manual, the CFPB presents nearly 1,000 pages of examination procedures – a daunting prospect for a mortgage professional attempting to learn about the process. This course highlights the portion of the Manual dedicated specifically to examinations of mortgage professionals, breaking down those procedures step by step. From the start of the examination process to the final outcome, this course helps students to understand the goals of a CFPB examination, each step involved, and potential results. This professional development online course allows mortgage originators to gain a clearer understanding of what they may expect if they face an examination, and highlights the importance of maintaining day-to-day compliance to ensure positive examination results, a successful and compliant business, and, most importantly, a low level of potential risk to consumers.

Interactive PDT: Adjustable-Rate Mortgages

SKU : 4306US00350A00

Category | Professional Development

$49.00

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Recent legislative changes in the mortgage industry and the aftermath of the financial market crisis have altered the way that mortgage professionals conduct business. As a result, the mortgage product offerings available to consumers are changing. However, there are some basic constants in product type that are worth examining. This professional development online course focus on essential information about adjustable-rate mortgages, their role in the current mortgage marketplace, and the impact of recent government legislation on ARMs. Students will also learn about ARM products that were and are available, consumers for whom adjustable products are most suitable, and the function of different types of ARM products and features.

Interactive PDT: Securitization and the Secondary Mortgage Market

SKU : 4306US00340A00

Category | Professional Development

$49.00

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The process of obtaining and originating residential mortgage loans plays a huge role in the stability of the economy, in both the United States and financial markets across the globe. Recent turmoil in the housing and financial industries has placed a spotlight on securitization. In the mortgage industry, securitization refers to the bundling of mortgage loans by a third party to resell to investors. The third parties responsible for the facilitation and initial resale of these bundles of loans are typically Fannie Mae or Freddie Mac, government-sponsored enterprises; Ginnie Mae, a government agency; or private financial institutions. This professional development online course will review basic concepts related to securitization, explore its role in the mortgage industry, and learn about who is typically involved in the process. Students will also examine further investment opportunities that can result from the formation of mortgage-backed securities, and learn about the future of this part of the industry.

Interactive PDT: Ability to Repay and Qualified Mortgage Rules

SKU : 4306US00330A00

Category | Professional Development

$89.00

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This professional development online course will provide students with the essential information necessary to understand the Ability to Repay/Qualified Mortgage Rule and the Concurrent Rule, and will provide a review of the regulatory and industry concerns considered by the CFPB in its rulemaking. This professional development online course help participants understand the importance of the Rule and its effect on the mortgage landscape, and will highlight compliance concerns that may arise. The course will also review some examples in the form of Discussion Scenarios.

Interactive PDT: Loan Originator Compensation

SKU : 4306US00320A00

Category | Professional Development

$69.00

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In early 2013, the CFPB announced a number of changes to federal rules governing the mortgage industry. One of the most anticipated rules issued is the Loan Originator Compensation Rule, which provides guidance for defining and calculating compensation for originators in loan transactions. This professional development online course will provide students with the essential information necessary to understand the Rule, and will provide a review of the regulatory and industry concerns considered by the CFPB in its rulemaking. This professional development online course help participants understand the importance of the Rule and its effect on the mortgage landscape.

Interactive PDT: The Truth-in-Lending Act

SKU : 4306US00310A00

Category | Professional Development

$79.00

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In this professional development online course, participants will review the purpose of TILA, learn about creditors and loans regulated by TILA, explore required disclosures, and more. Students will review rescission rights, advertising requirements and prohibitions, and recent legislation implementing updated requirements for consideration of borrower repayment ability, qualified mortgages, higher-priced mortgage loans, escrow accounts, and loan servicing.

Interactive PDT: The Real Estate Settlement Procedures Act

SKU : 4306US00300A00

Category | Professional Development

$69.00

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This professional development online course will review the requirements of the federal Real Estate Settlement Procedures Act (RESPA). Newly updated to incorporate recent rule changes by the CFPB, this course includes the most up-to-date information available regarding RESPA and its requirements, including those related to disclosures, servicing, fee prohibitions, and more.

Interactive PDT: The Home Ownership and Equity Protection Act

SKU : 4306US00290A00

Category | Professional Development

$49.00

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This course is a review of HOEPA and its corresponding regulations. Participants will learn the origins of subprime and predatory lending, review HOEPA and its implementing regulations, requirements, and prohibitions, and review the impact of HOEPA and new lending standards. This professional development online course will also explore high-cost home loan thresholds, homeownership counseling requirements, higher-priced mortgage loan standards, expanded prohibitions, and more.

Interactive PDT: The Fair Debt Collection Practices Act

SKU : 4306US00280A00

Category | Professional Development

$39.00

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The provisions of the Fair Debt Collection Practices Act (FDCPA) are increasingly relevant due to the troubled economic times that have followed the collapse of the mortgage market. When defaults on home loans occur and lenders, servicers, or debt collectors seek to recover missed payments, their debt collection practices may be subject to the FDCPA. Furthermore, a growing number of consumers have turned to the FDCPA to find relief from the aggressive or abusive collection actions of those who hold their mortgage debt. Other consumers have taken legal action against lenders, servicers and debt collectors for their failure to comply with the procedural requirements of the FDCPA. This professional development online course will review the provisions of the FDCPA, including those that define and identify debt collectors. Students will learn the significance of the law in protecting consumers, the CFPB’s supervisory authority, and the Act’s applicability to state law. Also reviewed are prohibited conduct, required procedures, and the consequences of failure to comply.

Interactive PDT: The Equal Credit Opportunity Act

SKU : 4306US00270A00

Category | Professional Development

$49.00

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In 1974, Congress enacted the Equal Credit Opportunity Act (ECOA) to eliminate discriminatory treatment of credit applicants. ECOA and its regulations, known as Regulation B, are intended to promote the availability of credit to all creditworthy applicants regardless of gender, race, color, religion, national origin, marital status, age, or the fact that the applicant receives income from a public assistance program or has exercised his/her rights under the Consumer Credit Protection Act. This professional development online course provides a review of ECOA’s requirements, including protected classes, disclosure requirements, special purpose credit programs, and more. This course will also explores recent disparate impact claims and their effect on the industry.

Interactive PDT: The Truth in Savings Act

SKU : 4306US00260A00

Category | Professional Development

$39.00

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With the increasing focus on consumer protection in the financial industry over the last few years, the Truth in Savings Act is a significant piece of legislation aimed at ensuring that consumers are educated through the use of disclosures. This professional development online course explores the history behind the Act and gives an overview of its provisions, including definitions, the entities that are covered, and penalties for violations of the law. In addition, this course reviews disclosure requirements in detail, as well as information pertaining to calculating interest and advertising.

Interactive PDT: Review of the Consumer Leasing Act

SKU : 4306US00240A00

Category | Professional Development

$39.00

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The Consumer Leasing Act (CLA) was passed in 1976 to protect those entering into a consumer lease for personal property. The CLA is designed to require meaningful and accurate disclosure of all lease terms prior to entering into a contract, providing consumers the opportunity to compare the true cost of leasing an item against possibly financing with credit or paying cash. The CLA also works to limit balloon payments, which are commonly due at the conclusion of a lease agreement. In addition, limits are imposed by the CLA to protect consumers from false or misleading advertisements. This professional development online course provides a review of the provisions of the Consumer Leasing Act, including definitions associated with the Act, an explanation of who is regulated, its disclosure and advertising requirements, and the consequences of committing violations.

Interactive PDT: The Home Mortgage Disclosure Act

SKU : 4306US00230A00

Category | Professional Development

$59.00

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Congress enacted the Home Mortgage Disclosure Act (HMDA) in 1975 to discourage creditors from denying loans to qualified applicants because of the applicants’ race, a practice also known as “redlining,” and to encourage lending institutions to provide loans to consumers in their communities. HMDA requires covered institutions to submit reports about their mortgage lending activities in order to help citizens and public officials determine whether community housing needs are being met. This professional development online course will review the background of HMDA and important amendments to its provisions, the legal and ethical importance of its reporting and disclosure requirements, as well as new standards for entities and individuals as a result of changes mandated by the Dodd-Frank Act.

Interactive PDT: The Fair Credit Reporting Act

SKU : 4306US00210A00

Category | Professional Development

$69.00

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The Fair Credit Reporting Act (FCRA) was enacted in 1970 as an amendment to the Consumer Credit Protection Act. Its purpose is to improve accuracy, impartiality, privacy, and fairness in credit reporting by imposing special requirements on consumer reporting agencies, companies that supply information to consumer reporting agencies, and companies that use consumer’s personal information. Prior to FCRA, credit reports were compiled, and credit scores were determined, largely out of view. Since the enactment of FCRA and its amendments, the credit reporting process is much more transparent, and consumers have been given rights to view their reports and to act to correct errors or prevent identity theft. This professional development online course explores FCRA and its regulatory authority and applicability. Students will understand the significance of its provisions, learn the rights of consumers to protect themselves and their information, and review compliance procedures and concerns under the law.

Interactive PDT: Fair Lending Laws Overview

SKU : 4306US00200A00

Category | Professional Development

$59.00

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This professional development online course provides participants with an overview of the history and goals of fair lending laws. This includes information about the current requirements of fair lending laws, legislative and regulatory updates, a review of amendments made by the Dodd-Frank Act to fair lending laws, and more. This course has been revised and completely updated to incorporate CFPB rule changes, and provides students with the most up-to-date information available regarding fair lending laws in the mortgage marketplace.

Interactive PDT: UDAAP Regulations

SKU : 4306US00190A00

Category | Professional Development

$39.00

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The Dodd-Frank Act and the Consumer Financial Protection Bureau have ushered in a new era of enforcement and regulation in the financial marketplace. Expanding upon unfair or deceptive acts or practices as codified by the Federal Trade Commission (FTC), the Dodd-Frank Act introduced a new, arguably higher standard with which financial institutions must comply when interacting with consumers. This professional development online course covers the fundamentals of unfair, deceptive, or abusive acts or practices (UDAAP). This professional development online course examines the provisions relating to UDAAP, as well as a brief review of the original unfair or deceptive acts or practices (UDAP). It also addresses the applicability of UDAAP standards to the new examination procedures set forth by the Consumer Financial Protection Bureau.

Interactive PDT: The Homeowners Protection Act

SKU : 4306US00180A00

Category | Professional Development

$49.00

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Congress passed the Homeowners Protection Act (HPA) in 1998 to facilitate the cancellation of private mortgage insurance (PMI). Lenders may require borrowers to purchase PMI when they make down payments of less than 20%, and the loan-to-value ratio (LTV) is high. PMI helps consumers by enabling them to secure a loan when they have little cash for a down payment. It also helps lenders to protect their interests while making these riskier loans, and to recover costs associated with the resale of foreclosed property. This professional development online course provides a review of the provisions of the Homeowners Protection Act, including definitions associated with the Act, identification of entities covered by its provisions, disclosure requirements, guidelines for compliance with the HPA, and penalties for violations.

Interactive PDT: A Borrower's Right to Privacy in a Mortgage Transaction

SKU : 4306US00170A00

Category | Professional Development

$49.00

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Privacy rights are a significant concern for mortgage professionals who are involved in the solicitation, origination, processing, closing, and servicing of mortgage loans. Multiple laws protect the privacy of borrowers, and violation of these laws can result in serious liability. This professional development online course reviews the privacy laws that protect borrowers from the time they receive a solicitation for a mortgage loan until their loans are repaid. It also discusses the actions that are necessary to maintain compliance with privacy laws, which are an ongoing concern for mortgage professionals.

Awareness and Prevention: BSA and the Anti-Money Laundering Law

SKU : 4306US00150A00

Category | Professional Development

$99.00

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The Bank Secrecy Act of 1970 (or BSA, or otherwise known as the Currency and Foreign Transactions Reporting Act) requires financial institutions to assist U.S. government agencies to detect and prevent money laundering. Specifically, the Act requires financial institutions to keep records of cash purchases of negotiable instruments, to file reports of cash transactions exceeding $10,000 (daily aggregate amount), and to report suspicious activity that might signify money laundering, tax evasion, or other criminal activities. The BSA was passed by Congress in 1970 and is sometimes referred to as an “anti-money laundering” law (AML), or jointly as BSA/AML. This professional development online course will provide an overview of the requirements imposed on those persons subject to the Anti-Money Laundering Law, including information relating to currency transaction reports, suspicious activity reports, and customer identification programs.

$405.00

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24 Hour NC SAFE Comprehensive Applying Mortgage Knowledge to Exam Preparation is a test-focused mortgage pre-licensing course, organized to review topics specifically outlined in the National Mortgage Loan Originator Test Content Outline. This course meets the federal mortgage training requirements found in the SAFE Act and helps to prepare students for the National Mortgage Loan Originator Test. This MLO pre-licensing online course also satisfies the required 4 hours of North Carolina law.

Late CE: 7 Hour SAFE Core Mastering Mortgage Lending Laws (6777)

SKU : 4303US18110A00

Credit Hours | 7

Category | Comprehensive

$134.00

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The content for this online course is the same as course ID 6777 and is intended to satisfy continuing education (CE) requirements for 2017 or the last year a mortgage loan originator held an active license. Mortgage loan originators who take this Late CE online course are prohibited from taking course ID 6777 in 2018. As the mortgage industry continues to evolve, mortgage loan originators must stay abreast of the topics most pertinent to their everyday business. Mastering Mortgage Lending Laws provides a review of relevant issues facing mortgage loan originators today. Students will examine the provisions of several fair lending laws, including the Home Mortgage Disclosure Act, the Equal Credit Opportunity Act, the Fair Housing Act, and the Home Ownership and Equity Protection Act. Students will take a look at the implications of mortgage fraud on the industry, including ways to detect and prevent fraud. In addition, students will review the steps a mortgage loan originator must take to comply with regulations for the origination of FHA loans. This online course is NMLS-approved for seven hours of core continuing education required for mortgage loan originators, as specified by the SAFE Mortgage Licensing Act. Annual SAFE Act continuing education requirements include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of elective education, for a total of eight hours.

8 Hour NC SAFE Comprehensive: Examining Industry Issues in Today's Mortgage Market (OSP)

SKU : 4303NC18000A00

Credit Hours | 8

Category | Comprehensive

$129.00

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As the mortgage industry continues to evolve, mortgage loan originators must stay abreast of the topics most pertinent to their everyday business. Examining Industry Issues in Today’s Mortgage Market provides a review of relevant issues facing mortgage loan originators today, specifically those outlined by NMLS as required topics for continuing education. Students will examine provisions of the Real Estate Settlement Procedures Act, the Truth-in-Lending Act, and the TILA-RESPA Integrated Disclosure Rule, specifically rules for filling out the Loan Estimate and Closing Disclosure for both a fixed-rate and an adjustable-rate mortgage transaction. In addition, students will take a look at the new Uniform Residential Loan Application and provisions of the law related to money laundering in the mortgage industry. Finally, students will review mortgage laws and regulations specific to the state of North Carolina. This online course is NMLS-approved for eight hours of continuing education required for North Carolina mortgage loan originators, as specified by the SAFE Mortgage Licensing Act and North Carolina law. Annual SAFE Act continuing education requirements for North Carolina loan originators include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of North Carolina-specific laws and regulations, for a total of eight hours.

American Health Insurance Policies and Plans

SKU : 3203NC007311A00

Credit Hours | 4

Category | Continuing Education

$20.00

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This insurance CE onlinecourse reviews health plans, understanding Medicare claims, Long-Term Care policies, underwriting and policy provisions, non-forfeiture options for long-term care, disability income plans, disability policy options, overhead expense policies for business, taxes, disability underwriting and disability claims.

Annuity Suitability

SKU : 3203NC005811A00

Credit Hours | 4

Category | Continuing Education

$20.00

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This online insurance CE course explores the features, benefits and risks of annuity products and their appropriate use and sale. Its content conforms to the training requirements in the NAIC's Suitability in Annuity Transactions Model Regulation and includes: types and classifications of annuities, identification of the parties to an annuity; the ways fixed, variable and indexed annuity contract provisions affect consumers; the application of income taxation of qualified and non-qualified annuities; the primary uses of annuities; and appropriate sales practices, replacement and disclosure requirements.

Homeowners Insurance Valuation

SKU : 3203NC005711A00

Credit Hours | 2

Category | Continuing Education

$10.00

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This 2-hour Homeowner Insurance Valuation online course takes the student through types and levels of coverage, required disclosures, how dwelling value is determined, and the impact of catastrophes on coverage and claims. It is designed to teach producers how to correctly estimate the replacement value of a home.

Flood Insurance

SKU : 3203NC005611A00

Credit Hours | 3

Category | Continuing Education

$15.00

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FEMA: Flood Insurance is approved to meet the 3-hour Flood Insurance training required for all producers selling flood insurance policies under the Flood Insurance Reform Act of 2004. This online insurance CE course is designed to ensure producers are properly trained and educated about the National Flood Insurance Program. Covered in the insurance continuing education course is flood policy general rules and rating calculations; flood claims handling Process; and Requirements of the Flood Insurance Reform Act of 2001.

Ethics and the Producer

SKU : 3203NC005311A00

Credit Hours | 3

Category | Continuing Education

$15.00

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Operating ethically as an insurance producer required both obligations to your customer and responsibilities to the insurer. This online insurance CE course meets your three-hour ethics requirement and clarifies many of your duties prior to attaining coverage, as well as duties owed after issuing a policy.

Ethics for Insurance Professionals

SKU : 3203NC005211A00

Credit Hours | 3

Category | Continuing Education

$15.00

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In daily insurance practices, agents are put in situations that require ethical reasoning. This insurance continuing education online course explores an agent's ethical responsibility surrounding issues they are faced with, and the challenges that come with those dilemmas.This insurance online course is approved to satisfy the Ethics requirement!

The Need for Homeowners Insurance

SKU : 3203NC002911A00

Credit Hours | 3

Category | Continuing Education

$15.00

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Homeownership brings with it pride and responsibility. This online insurance continuing education course focuses on current trends and coverages in a homeowners insurance policy. It explores the more common policy forms with an emphasis on certain conditions, exclusions and endorsements. The course expands with an in-depth look at current, specialized coverage conditions, such as terrorism risk, kidnap and ransom coverage, and other 21st century exposures.

Taking Care of Business: Life and Health Plans

SKU : 3203NC002811A00

Credit Hours | 3

Category | Continuing Education

$15.00

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This practical online insurance CE guide will help insurance professionals understand the needs of businesses in taking care of their employees. Discover all the choices out there: HMOs, PPOs, Executive Bonus, Buy-Sell, qualified retirement, and others. Requirements, characteristics, and tax consequences of all these are discussed. A must-have tool in today's world for this niche market!

Personal Auto Coverage

SKU : 3203NC002611A00

Credit Hours | 4

Category | Continuing Education

$20.00

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This insurance CE pnline course provides an in-depth view of personal auto coverage. In addition to explaining the coverage provisions in standard personal auto policies and endorsements, it explores criminal and civil laws applicable to operating motor vehicles and the legal liability exposures of the insured. It also provides risk management steps that may be taken to reduce both liability and physical damage risk exposures. The online course concludes with a discussion of important underwriting factors and summarizing important steps in the claims process.

Selling to a Senior Market

SKU : 3203NC002211A00

Credit Hours | 3

Category | Continuing Education

$15.00

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Nobody wants to think about aging. But an agent who's able to help the baby boomer generation plan well for the "golden years" will be a busy agent indeed. This insurance CE online course concentrates on the senior insurance market. It considers many different issues facing those in this demographic: medical coverage concerns, medicare and medicaid, prescription drug plans, long-term care, life insurance and estate planning issues.

21st Century Liability Risks

SKU : 3203NC002011A00

Credit Hours | 4

Category | Continuing Education

$20.00

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This insurance continuing education online course presents an overview of liability risks encountered in today's technological age along with methods and plans to manage these risks. Many of these risks are insurable, and appropriate insurance coverages are described. Risks explored include data privacy breaches, cyber bullying, libel, copyright issues, identity theft, cyber risks, workplace violence, employee theft, fraud and terrorism. Methods of managing these risks are considered, including the use of cyber risk insurance, terrorism insurance, homeowners liability coverage, pollution liability, and employment practices liability insurance. Risk reduction processes are also provided.

IRAs for Individuals and Business Explained

SKU : 3203NC001911A00

Credit Hours | 3

Category | Continuing Education

$15.00

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Saving for retirement is an important concern for us all. This insurance continuing education online course provides an introduction to the basic concepts and costs of retirement. Health care costs, personal savings plans, and Social Security provide consumers with a myriad of decisions to make in preparation for retirement. By the end of this course, you will have a basic understanding of IRA products, eligibility, contributions, and conversions.

Estate Planning Toolkit

SKU : 3203NC001811A00

Credit Hours | 3

Category | Continuing Education

$15.00

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An estate plan can accomplish many things for individuals of any age or income. Advance preparation is the key! This online insurance CE introduces the broad concepts of estate planning and living trusts, as well as the finer details of intestacy laws, joint ownership, taxes and the importance of wills.

Understanding Gift and Estate Taxes

SKU : 3203NC001711A00

Credit Hours | 2

Category | Continuing Education

$10.00

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All of us are given two guarantees in life -- death and taxes. This insurance continuing education course delves into both gift taxation and estate taxes. You will first learn the foundation of estate transfer taxation and then move onto gift tax rules, gift valuation, elements of calculating gift tax and estate taxations. The remainder of this online insurance CE course concentrates on the most common gifts: those to minors and those to charities. At the conclusion of the insurance course you will have a basic understanding of the fundamentals of gift and estate taxation.

COBRA and HIPAA Uncovered

SKU : 3203NC001611A00

Credit Hours | 3

Category | Continuing Education

$15.00

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From the history of COBRA to the penalties of HIPAA violations, this insurance CE course explores their purpose and the effect they have on business today. Written to help insurance professionals understand the basics of COBRA and HIPAA administration, you will look at persons eligible for COBRA, the benefits available, safeguards required by HIPAA, the rights of employees under ERISA, and how to implement benefit programs consistently and legally.

4 Hour NC SAFE Review of North Carolina Mortgage Law (OIL)

SKU : 4309NC00450C00

Credit Hours | 4

Category | Elective

$123.00

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4 Hour NC SAFE Review of North Carolina Mortgage Law provides a review of the Anti- Predatory Lending Law, the Residential Mortgage Fraud Act, the Reverse Mortgage Act, the Identity Theft Protection Act, the Mortgage Licensing Act, and other laws that impact mortgage lending in North Carolina. The course offers a thorough review of the requirements related to obtaining an initial license, maintaining a license, notification, recordkeeping, reporting, and compliance issues, including required and prohibited conduct under the law. This online - instructor led course meets the 4-hour North Carolina-specific pre-licensing education requirement for loan originators and offers a thorough review of the information and laws that license applicants must understand in order to make, broker, or originate loans in compliance with North Carolina law.

GOLD: Mortgage Exam Prep Suite

SKU : 4304US00050A00

Category | Exam Prep

$149.00

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Gain confidence in taking the rigorous NMLS exam!

This online mortgage license package is designed for individuals who have some experience in the mortgage industry, and need to pass the NMLS mortgage license exam. It includes comprehensive tools including test-taking tips, comprehensive content and over 375 practice questions.

This online mortgage license exam prep package includes:

- NMLS Exam Test-Taking Tips

- SAFE Mortgage Loan Originator National + UST Content Material

- 375 practice questions

NOTE: This is not an NMLS-approved course and will not satisfy the pre-license education requirements.

Late CE: 1 Hour NC SAFE Mortgage Matters in North Carolina (6670)

SKU : 4303NC18510A00

Credit Hours | 1

Category | Elective

$59.00

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This online course focuses on the laws and rules that regulate mortgage loan originators doing business in North Carolina. In Module 1, students will examine the authority of the North Carolina Office of the Commissioner of Banks and important definitions under the law. Students will also review required conduct for mortgage licensees, as well as provisions of the law related to fees and charges. In Module 2, students will review prohibited practices for licensees under the North Carolina SAFE Act. Students will also take a look at the Residential Mortgage Fraud Act and disciplinary action which may be taken when a licensee violates the law. This online course satisfies the one-hour North Carolina-specific continuing education requirement for loan originators, as specified by North Carolina law. In addition to one hour of North Carolina-specific education, annual SAFE Act continuing education requirements include three hours of federal law, two hours of ethics, and two hours of nontraditional mortgage lending. The content for this online course is the same as course ID 6670 and is intended to satisfy continuing education (CE) requirements for 2017 or the last year a mortgage loan originator held an active license. Mortgage loan originators who take this Late CE online course are prohibited from taking course ID 6670 in 2018.

1 Hour NC SAFE: A Fresh Look at North Carolina Mortgage Law (OSP)

SKU : 4303NC18500A00

Credit Hours | 1

Category | Elective

$39.00

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This mortgage CE online course focuses on the laws and rules that regulate mortgage loan originators doing business in North Carolina. In Module 1, students will examine the authority of the North Carolina Office of the Commissioner of Banks and important definitions under the law. Students will also review required conduct for mortgage licensees, as well as provisions of the law related to fees and charges. In Module 2, students will review prohibited practices for licensees under the North Carolina SAFE Act. Students will also take a look at the Residential Mortgage Fraud Act and disciplinary action which may be taken when a licensee violates the law. This online course satisfies the one-hour North Carolina-specific continuing education requirement for loan originators, as specified by North Carolina law.

7 Hour SAFE Core: Compliance Risks You Need to Know 2018 Audio CE

SKU : 4303US18150A00

Credit Hours | 7

Category | Comprehensive

$160.00

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Sit back and listen to your continuing education! State regulators and the MMC have uncovered topics that pose compliance risks and are mandated to be covered in 2018 CE! Students will focus on compliance issues related to RESPA, TILA and ECOA. Students will then delve into the BSA, identity theft and prohibited telemarketing practices. Students will conclude with a look at nontraditional products. Examples and case studies throughout this mortgage CE audio course provide real-life examples of the topics discussed.