§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
In connection with a consumer credit transaction secured by a dwelling, a loan originator shall not direct
- 1026 (Regulation Z)
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(1) No loan originator shall receive compensation, directly or indirectly, from any person other than
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
There is a written agreement between the originator and the creditor governing the originator's submission
- 1026 (Regulation Z)
Comment for 1026.25 - Record Retention
For example, if a loan originator organization pays an individual loan originator a commission consisting
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Compensation includes any salaries, commissions, and any financial or similar incentive to an individual loan
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Assume that an individual loan originator's employment contract with a creditor guarantees a quarterly
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
applied to reduce the consumer's settlement charges, including origination fees paid by a creditor to the loan
- 1026 (Regulation Z)
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(i) For purposes of this section, the term “loan originator” means a person who, in expectation of direct
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Payments by a consumer to a loan originator from loan proceeds are considered compensation received directly
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Advertising or communicating to the public that one can or will perform any loan origination services
- 1026 (Regulation Z)
§ 1026.25 Record retention.
(ii) A loan originator organization, as defined in § 1026.36(a)(1)(iii), shall maintain records
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
(5) Creditor that is a loan originator.
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Section 1026.36(d) prohibits any person (including a creditor) from paying compensation to a loan originator
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
If a manufactured home retailer qualifies as a loan originator under § 1026.36(a)(1), then compensation
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
Payments by a mortgage broker to its individual loan originator employee.
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
The definition of loan originator does not include a loan originator's or creditor's employee who provides
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Section 1026.36(f) does not affect which loan originators must comply with State and Federal licensing
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Communicate on behalf of a loan originator that a written credit offer has been sent to a consumer without
- 1026 (Regulation Z)
§ 1026.32 Requirements for high-cost mortgages.
(B) That compensation is paid by a mortgage broker, as defined in § 1026.36(a)(2), to a loan originator
- 1026 (Regulation Z)
§ 1026.32 Requirements for high-cost mortgages.
(B) That compensation is paid by a mortgage broker, as defined in § 1026.36(a)(2), to a loan originator
- 1026 (Regulation Z)
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
responsibility, character, and general fitness such as to warrant a determination that the individual loan
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
If the creditor has knowledge that the sales price of a manufactured home includes loan originator compensation
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
If the creditor has knowledge that the sales price of a manufactured home includes loan originator compensation
- 1026 (Regulation Z)
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(A) The compensation paid to an individual loan originator pursuant to this paragraph (d)(1)(iv) is not
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
The term “loan originator” includes employees, agents, and contractors of a creditor as well as employees
- 1026 (Regulation Z)