Key Takeaways
- Lending regulatory compliance spans TILA, RESPA, ECOA, HMDA, and Dodd-Frank with strict timing, disclosure, and fairness requirements.
- Seller financing exemptions have narrow boundaries—exceeding them triggers full lending compliance obligations.
- State licensing, compliance management systems, and regular audits form the compliance infrastructure for lending operations.
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Test Your Knowledge
1.Under Dodd-Frank, how many seller-financed properties per year can an investor sell without triggering ATR/QM requirements?
2.What are the four components of a compliance management system (CMS)?
3.What is the primary risk of lending at high LTV ratios (85-90%) on investment properties?