Enforcement Authorities of the CFPB<\/p>\n
Consumer Financial Protection Bureau (CFPB) is responsible for enforcement of the SAFE Act. The CFPB has the authority to:
\n\u2022 Examine any books, papers, records, or other data of any mortgage loan originator operating at any time, in any state, to investigate compliance with the SAFE Act.
\n\u2022 Summon any mortgage loan originator or any person having possession, custody, or care of the reports and records relating to such mortgage loan originator in any state, under the SAFE Act, to appear before the Bureau at a time and place named in the summons.
\n\u2022 Compel any mortgage loan originator or any person from any state, subject to the SAFE Act, to produce such books, papers, records, or other relevant data.
\n\u2022 Order any mortgage loan originator from any state to give testimony, under oath, as may be relevant or material to an investigation of such mortgage loan originator for compliance with
\nthe requirements of the SAFE Act.<\/p>\n
Investigation, Examination and Subpoena Authority: The state regulatory authority may review, investigate, exam any licensee, individual, or person subject to the SAFE Act, as often as necessary in order to carry out (i.e., audit records) for the purpose of the Act.
\nAccess and Availability to Books and Records – Each mortgage loan originator must make available, upon request to the state regulatory authority, the books and records relating to the operations of
\nthat originator. The state regulatory authority may have access to such books and records and interview the officers, principals, mortgage loan originators, employees, independent contractors,
\nagents, and customers of the licensee concerning their business.
\nIn addition, no person subject to investigation or examination under this Act may knowingly withhold, abstract, remove, mutilate, destroy, or secrete any books, records, computer records, or other information.<\/p>\n
Mortgage Call Reports – the Mortgage Call Report is a quarterly report of condition an entity submits through NMLS. These reports are comprised of two parts: The state-level \u201cResidential Mortgage Loan Activity Report\u201d and the entity level \u201cFinancial Condition Report.\u201d Due quarterly, within 45 days of the end of the calendar quarter<\/p>\n
State Department Obligations \u2013 The state regulator authority must establish a process whereby MLOs may challenge information entered into the NMLS. The State regulatory authority may be
\nresponsible for setting, or resetting as necessary, renewal or reporting dates. Also, must establish requirements for amending, transferring, or surrendering a license or any other license status change that it deems necessary for participation in the NMLS. All fees related to renewal must be submitted thru the NMLS.
\nAdditional Authority – in order to carry out the purposes of the SAFE Act, the state regulatory authority may:
\n\u2022 Retain attorneys, accountants, or other professionals and specialists as examiners, auditors, or investigators to conduct or assist in the conduct of examinations or investigations.
\n\u2022 Enter into agreements or relationships with other government officials or regulatory associations in order to improve efficiencies and reduce regulatory burden by sharing resources, standardized or uniform methods or procedures, and documents, records,
\ninformation, or evidence obtained under this section of the SAFE Act.
\n\u2022 Use, hire, contract, or employ public or privately available analytical systems, methods, or software to examine or investigate the licensee, individual, or person subject to the SAFE Act.
\n\u2022 Accept and rely on examination or investigation reports made by other government officials, within or outside of this state.
\n\u2022 Accept audit reports made by an independent certified public accountant for the licensee, individual, or person subject to the SAFE Act in the course of that part of the examination, covering the same general subject matter as the audit and may incorporate the audit report in the report of the examination, report of investigation, or other writing of the state regulatory authority<\/p>\n
CFPB\uc758 \uc9d1\ud589 \ub2f9\uad6d<\/p>\n
\uc18c\ube44\uc790 \uae08\uc735 \ubcf4\ud638\uad6d(CFPB)\uc740 SAFE \ubc95\uc758 \uc9d1\ud589\uc744 \ub2f4\ub2f9\ud569\ub2c8\ub2e4. CFPB\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uad8c\ud55c\uc774 \uc788\uc2b5\ub2c8\ub2e4.
\n\u2022 SAFE \ubc95 \uc900\uc218 \uc5ec\ubd80\ub97c \uc870\uc0ac\ud558\uae30 \uc704\ud574 \uc5b8\uc81c, \uc5b4\ub290 \uc8fc\uc5d0\uc11c\ub098 \uc6b4\uc601\ud558\ub294 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00\uc758 \uc7a5\ubd80, \uc11c\ub958, \uae30\ub85d \ub610\ub294 \uae30\ud0c0 \ub370\uc774\ud130\ub97c \uc870\uc0ac\ud569\ub2c8\ub2e4.
\n\u2022 SAFE \ubc95\uc5d0 \ub530\ub77c \ubaa8\ub4e0 \uc8fc\uc5d0\uc11c \ud574\ub2f9 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uc81c\uacf5\uc790\uc640 \uad00\ub828\ub41c \ubcf4\uace0\uc11c \ubc0f \uae30\ub85d\uc744 \uc18c\uc720, \ubcf4\uad00 \ub610\ub294 \uad00\ub9ac\ud558\ub294 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790 \ub610\ub294 \ubaa8\ub4e0 \uc0ac\ub78c\uc744 \uc18c\ud658\uc7a5\uc5d0 \uba85\uc2dc\ub41c \uc2dc\uac04 \ubc0f \uc7a5\uc18c\uc5d0\uc11c \uc0ac\ubb34\uad6d\uc5d0 \uc18c\ud658\ud569\ub2c8\ub2e4. .
\n\u2022 SAFE \ubc95\uc758 \uc801\uc6a9\uc744 \ubc1b\ub294 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790 \ub610\ub294 \ubaa8\ub4e0 \uc8fc\uc758 \uc0ac\ub78c\uc5d0\uac8c \uadf8\ub7ec\ud55c \uc7a5\ubd80, \uc11c\ub958, \uae30\ub85d \ub610\ub294 \uae30\ud0c0 \uad00\ub828 \ub370\uc774\ud130\ub97c \uc0dd\uc131\ud558\ub3c4\ub85d \uac15\uc694\ud569\ub2c8\ub2e4.
\n\u2022 \ubaa8\ub4e0 \uc8fc\uc758 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\uc5d0\uac8c \uc120\uc11c \ud558\uc5d0 \ud574\ub2f9 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\uc5d0 \ub300\ud55c \uc870\uc0ac\uc640 \uad00\ub828\ud558\uac70\ub098 \uc911\uc694\ud560 \uc218 \uc788\ub294 \uc99d\uc5b8\uc744 \ud558\ub3c4\ub85d \uba85\ub839\ud569\ub2c8\ub2e4.<\/p>\n
SAFE \ubc95\uc758 \uc694\uad6c \uc0ac\ud56d.<\/p>\n
\uc870\uc0ac, \uc870\uc0ac \ubc0f \uc18c\ud658\uc7a5 \uae30\uad00: \uc8fc \uaddc\uc81c \uae30\uad00\uc740 SAFE \ubc95\uc758 \uc801\uc6a9\uc744 \ubc1b\ub294 \uba74\ud5c8 \uc18c\uc9c0\uc790, \uac1c\uc778 \ub610\ub294 \uc0ac\ub78c\uc744 \uac80\ud1a0, \uc870\uc0ac, \uc870\uc0ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud589\ub3d9.
\n\uc7a5\ubd80 \ubc0f \uae30\ub85d\uc5d0 \ub300\ud55c \uc561\uc138\uc2a4 \ubc0f \uac00\uc6a9\uc131 – \uac01 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\ub294 \uc694\uccad \uc2dc \uc8fc \uaddc\uc81c \ub2f9\uad6d\uc5d0 \ub300\ud55c \uc6b4\uc601\uacfc \uad00\ub828\ub41c \uc7a5\ubd80 \ubc0f \uae30\ub85d\uc744 \uc81c\uacf5\ud574\uc57c \ud569\ub2c8\ub2e4.
\n\uadf8 \ubc1c\uc2e0\uc790. \uc8fc \uaddc\uc81c \ub2f9\uad6d\uc740 \uadf8\ub7ec\ud55c \uc7a5\ubd80\uc640 \uae30\ub85d\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uc73c\uba70 \uc784\uc6d0, \uad50\uc7a5, \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790, \uc9c1\uc6d0, \ub3c5\ub9bd \uacc4\uc57d\uc790,
\n\uadf8\ub4e4\uc758 \uc0ac\uc5c5\uc5d0 \uad00\ud55c \ub77c\uc774\uc120\uc2a4\uc758 \uc5d0\uc774\uc804\ud2b8 \ubc0f \uace0\uac1d.
\n\ub610\ud55c \uc774 \ubc95\uc5d0 \ub530\ub978 \uc870\uc0ac \ub610\ub294 \uc870\uc0ac\ub97c \ubc1b\ub294 \uc790\ub294 \uc7a5\ubd80, \uae30\ub85d, \uc804\uc0b0\uae30\ub85d, \uadf8 \ubc16\uc758 \uc815\ubcf4\ub97c \uace0\uc758\ub85c \ubcf4\ub958, \uc694\uc57d, \uc81c\uac70, \ud6fc\uc190, \ud30c\uae30 \ub610\ub294 \ube44\ubc00\ub85c \ud558\uc5ec\uc11c\ub294 \uc544\ub2c8 \ub41c\ub2e4.<\/p>\n
\ubaa8\uae30\uc9c0 \ud638\ucd9c \ubcf4\uace0\uc11c – \ubaa8\uae30\uc9c0 \ud638\ucd9c \ubcf4\uace0\uc11c\ub294 \uae30\uc5c5\uc774 NMLS\ub97c \ud1b5\ud574 \uc81c\ucd9c\ud558\ub294 \uc870\uac74\uc5d0 \ub300\ud55c \ubd84\uae30\ubcc4 \ubcf4\uace0\uc11c\uc785\ub2c8\ub2e4. \uc774 \ubcf4\uace0\uc11c\ub294 \ub450 \ubd80\ubd84\uc73c\ub85c \uad6c\uc131\ub429\ub2c8\ub2e4. \uc8fc \uc218\uc900\uc758 “\uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \ud65c\ub3d9 \ubcf4\uace0\uc11c”\uc640 \uc5d4\ud2f0\ud2f0 \uc218\uc900\uc758 “\uc7ac\uc815 \uc0c1\ud669 \ubcf4\uace0\uc11c”\uc785\ub2c8\ub2e4. \ubd84\uae30\ubcc4 \ub9c8\uac10, \ub2ec\ub825 \ubd84\uae30 \uc885\ub8cc \ud6c4 45\uc77c \uc774\ub0b4<\/p>\n
\uad6d\ubb34\ubd80 \uc758\ubb34 \u2013\uc8fc \uaddc\uc81c \uae30\uad00\uc740 MLO\uac00 NMLS\uc5d0 \uc785\ub825\ub41c \uc815\ubcf4\uc5d0 \uc774\uc758\ub97c \uc81c\uae30\ud560 \uc218 \uc788\ub294 \ud504\ub85c\uc138\uc2a4\ub97c \uc218\ub9bd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc8fc \uaddc\uc81c \ub2f9\uad6d\uc740 \uac31\uc2e0 \ub610\ub294 \ubcf4\uace0 \ub0a0\uc9dc\ub97c \uc124\uc815\ud558\uac70\ub098 \ud544\uc694\uc5d0 \ub530\ub77c \uc7ac\uc124\uc815\ud560 \ucc45\uc784\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c NMLS \ucc38\uc5ec\uc5d0 \ud544\uc694\ud558\ub2e4\uace0 \uac04\uc8fc\ub418\ub294 \uba74\ud5c8 \ub610\ub294 \uae30\ud0c0 \uba74\ud5c8 \uc0c1\ud0dc \ubcc0\uacbd\uc744 \uc218\uc815, \uc774\uc804 \ub610\ub294 \ud3ec\uae30\ud558\uae30 \uc704\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uac31\uc2e0\uacfc \uad00\ub828\ub41c \ubaa8\ub4e0 \uc218\uc218\ub8cc\ub294 NMLS\ub97c \ud1b5\ud574 \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\ucd94\uac00 \uad8c\ud55c – SAFE \ubc95\uc758 \ubaa9\uc801\uc744 \uc218\ud589\ud558\uae30 \uc704\ud574 \uc8fc \uaddc\uc81c \ub2f9\uad6d\uc740 \ub2e4\uc74c\uc744 \uc218\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
\n\u2022 \ubcc0\ud638\uc0ac, \ud68c\uacc4\uc0ac \ub610\ub294 \uae30\ud0c0 \uc804\ubb38\uac00 \ubc0f \uc804\ubb38\uac00\ub97c \uc2dc\ud5d8\uad00, \uac10\uc0ac\uad00 \ub610\ub294 \uc870\uc0ac\uad00\uc73c\ub85c \uc720\uc9c0\ud558\uc5ec \uc2dc\ud5d8 \ub610\ub294 \uc870\uc0ac \uc218\ud589\uc744 \uc218\ud589\ud558\uac70\ub098 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.
\n\u2022 \uc790\uc6d0, \ud45c\uc900\ud654\ub418\uac70\ub098 \ud1b5\uc77c\ub41c \ubc29\ubc95\uc774\ub098 \uc808\ucc28, \ubb38\uc11c, \uae30\ub85d,
\nSAFE \ubc95\uc758 \uc774 \uc139\uc158\uc5d0 \ub530\ub77c \uc5bb\uc740 \uc815\ubcf4 \ub610\ub294 \uc99d\uac70.
\n\u2022 \uba74\ud5c8 \uc18c\uc9c0\uc790, \uac1c\uc778 \ub610\ub294 SAFE \ubc95\uc758 \uc801\uc6a9\uc744 \ubc1b\ub294 \uc0ac\ub78c\uc744 \uc870\uc0ac\ud558\uac70\ub098 \uc870\uc0ac\ud558\uae30 \uc704\ud574 \uacf5\uac1c \ub610\ub294 \ube44\uacf5\uac1c\ub85c \uc0ac\uc6a9 \uac00\ub2a5\ud55c \ubd84\uc11d \uc2dc\uc2a4\ud15c, \ubc29\ubc95 \ub610\ub294 \uc18c\ud504\ud2b8\uc6e8\uc5b4\ub97c \uc0ac\uc6a9, \uace0\uc6a9, \uacc4\uc57d \ub610\ub294 \uc0ac\uc6a9\ud569\ub2c8\ub2e4.
\n\u2022 \uc774 \uc8fc \ub0b4\uc678\uc5d0\uc11c \ub2e4\ub978 \uacf5\ubb34\uc6d0\uc774 \uc791\uc131\ud55c \uc870\uc0ac \ub610\ub294 \uc870\uc0ac \ubcf4\uace0\uc11c\ub97c \uc218\ub77d\ud558\uace0 \uc2e0\ub8b0\ud569\ub2c8\ub2e4.
\n\u2022 \uac10\uc0ac\uc640 \ub3d9\uc77c\ud55c \uc77c\ubc18 \uc8fc\uc81c\ub97c \ub2e4\ub8e8\ub294 \uba74\ud5c8 \uc18c\uc9c0\uc790, \uac1c\uc778 \ub610\ub294 SAFE \ubc95 \uc801\uc6a9 \ub300\uc0c1\uc778 \uc0ac\ub78c\uc5d0 \ub300\ud574 \ub3c5\ub9bd \uacf5\uc778 \ud68c\uacc4\uc0ac\uac00 \uc791\uc131\ud55c \uac10\uc0ac \ubcf4\uace0\uc11c\ub97c \uc218\ub77d\ud558\uace0 \uac10\uc0ac \ubcf4\uace0\uc11c\ub97c \ub2e4\uc74c\uacfc \uac19\uc774 \ud1b5\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\uac00 \uaddc\uc81c \ub2f9\uad6d\uc758 \uc870\uc0ac \ubcf4\uace0\uc11c, \uc870\uc0ac \ubcf4\uace0\uc11c \ub610\ub294 \uae30\ud0c0 \uc11c\uba74<\/p>\n","protected":false},"excerpt":{"rendered":"
Enforcement Authorities of the CFPB Consumer Financial Protection Bureau (CFPB) is responsible for enforcement of the SAFE Act. The CFPB has the authority to: \u2022 Examine any books, papers, records, or other data of any mortgage loan originator operating at any time, in any state, to investigate compliance with the SAFE Act. \u2022 Summon any […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-2521","post","type-post","status-publish","format-standard","hentry","category-financial-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/comments?post=2521"}],"version-history":[{"count":6,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2521\/revisions"}],"predecessor-version":[{"id":2578,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2521\/revisions\/2578"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=2521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=2521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=2521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}