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NMLS Mortgage Loan Origination (SAFE MLO) Exam 認定 MLO 試験問題 (Q56-Q61):

質問 # 56
Which of the following fees or charges is an allowable closing cost typically found on a Closing Disclosure?

A. Referral fee
B. Yield-to-loan fee
C. Origination charge
D. Servicing fee

正解：C

解説：
An origination charge is an allowable closing cost typically found on the Closing Disclosure (CD). This fee is charged by the lender for processing the mortgage application and creating the loan. It may include administrative fees, underwriting fees, and other costs related to loan origination.
* Referral fees (B) are illegal under RESPA.
* Servicing fees (C) are not typically listed as closing costs but are part of ongoing loan maintenance.
* Yield-to-loan fees (D) are not a standard item on a Closing Disclosure.
References:
* TILA-RESPA Integrated Disclosure (TRID) Rule
* RESPA (Real Estate Settlement Procedures Act) Section 8

質問 # 57
Which of the following entities has the primary enforcement authority under the Red Flags Rule?

A. Conference of State Bank Supervisors
B. HUD
C. IRS
D. Federal Trade Commission

正解：D

解説：
The Federal Trade Commission (FTC) has primary enforcement authority under the Red Flags Rule, which is part of the Fair and Accurate Credit Transactions Act (FACTA). The Red Flags Rule requires financial institutions and creditors, including mortgage companies, to implement identity theft prevention programs that detect, prevent, and mitigate identity theft.
* IRS (A), HUD (C), and the Conference of State Bank Supervisors (D) are not responsible for enforcing the Red Flags Rule.
References:
* Fair and Accurate Credit Transactions Act (FACTA)
* FTC Red Flags Rule Guidelines

質問 # 58
Which of the following acts provides a state licensing and regulatory agency to investigate and examine a mortgage company?

A. Truth in Lending Act (TILA)
B. Home Ownership and Equity Protection Act (HOEPA)
C. Real Estate Settlement Procedures Act (RESPA)
D. SAFE Act

正解：D

解説：
The SAFE Act (Secure and Fair Enforcement for Mortgage Licensing Act) establishes federal and state licensing standards for mortgage loan originators (MLOs) and mandates that each state creates a licensing and regulatory agency to oversee mortgage companies. This agency is responsible for investigating, examining, and enforcing compliance with mortgage regulations. The act aims to ensure that mortgage companies and MLOs operate with transparency, competency, and accountability.
* The SAFE Act gives regulatory bodies the authority to conduct background checks, examinations, and audits of licensed mortgage companies.
Other Acts:
* TILA and RESPA focus on disclosure requirements and fair lending practices but do not specifically regulate state licensing and examinations.
* HOEPA regulates high-cost loans and predatory lending practices, not licensing.
References:
* SAFE Act, 12 USC §5101
* NMLS Licensing and Registration Requirements

質問 # 59
During the closing the borrower notices that the interest rate increased from 3.250% to 3.875%. The lender must:

A. close the loan, then re-disclose after the loan funds.
B. postpone the closing, re-disclose and wait three days.
C. tell the borrower to close the loan.
D. postpone the closing, re-disclose and wait three business days.

正解：D

解説：
Under the TILA-RESPA Integrated Disclosure (TRID) rules, any significant change to the Annual Percentage Rate (APR) beyond the allowed tolerance before closing requires the lender to provide a revised Closing Disclosure (CD). If the APR increases by more than 0.125% for fixed-rate loans, the lender must re- disclose the CD and provide the borrower with at least three business days to review the updated terms before consummation (closing).
* In this case, the interest rate increase from 3.250% to 3.875% is a significant change that impacts the APR, triggering the need for re-disclosure and the mandatory three-business-day waiting period.
* The lender must postpone the closing until the new three-day waiting period passes to ensure compliance with TRID regulations.
References:
* TILA-RESPA Integrated Disclosure Rule (TRID), 12 CFR §1026.19(f)
* CFPB TRID Guidelines

質問 # 60
Which of the following types of income are considered as qualifying when applying for a mortgage loan?

A. Family gifts
B. Net rental income
C. Federal tax refund
D. Reimbursed expenses

正解：B

解説：
Net rental income is considered qualifying income when applying for a mortgage, as it represents income generated from rental properties. Lenders typically calculate net rental income by subtracting property expenses from the total rental income, and they require documentation such as tax returns or lease agreements to verify this income.
* Reimbursed expenses (A), family gifts (C), and federal tax refunds (D) are generally not considered qualifying income, as they are one-time or non-recurring sources of funds.
References:
* Fannie Mae Selling Guide on qualifying income
* Freddie Mac Guidelines for rental income

質問 # 61
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