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Using our System
Once you purchase the course and are logged into our system, you should see a link to the
course on your home page. This link will launch the course. Please carefully review the
introduction module for instructions on using our online system.
Course Outline
This course consists of four parts, covering the following subjects: Federal Law, Loan Fraud,
Nontraditional Mortgage, and Connecticut Mortgage Law.
CT Comprehensive SAFE CE 2016 Part 1: Federal Law
Introduction: This module will introduce you to our system. Adherence to the advice andinstructions offered in this module will greatly improve your online education experience.
Fair Lending Chapter 1: Chapter One reviews fair lending. It consists of the following sections:
Department of Justice
Consumer Financial Protection Bureau
Fair Housing Act
Equal Credit Opportunity Act
When You Apply for Credit
When Deciding to Grant Credit You Also Have the Right to…
If a Creditor has Discriminated Against you
Types of Discrimination
Overt Discrimination
Disparate Treatment
Disparate Impact
Fair Lending Chapter 2: Chapter Two reviews the Home Mortgage Disclosure Act. It consists of
the following sections:
Home Mortgage Disclosure Act
HMDA Case Study
HMDA Data
Tips for Compliance
Case Study #1
Case Study #2
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Case Study #3
Recent Cases
RESPA Enforcement Chapter 1: Chapter One reviews cases involving Wells Fargo/Chase and
Lighthouse Title. It consists of the following sections: Introduction
Wells Fargo/Chase CFPB Settlement
Lighthouse Title CFPB Settlement
RESPA Enforcement Chapter 2: Chapter 2 reviews the CFPB Compliance Bulletin and several
hypothetical examples that apply. It consists of the following sections:
CFPB Compliance Bulletin
Case Study
CT Comprehensive SAFE CE 2016 Part 2: Ethics and Loan Fraud
Loan Fraud 2016 Chapter 1: Chapter One will introduce you to the definition of loan fraud and
different types of loan fraud. It consists of the following sections:
Introduction
Fraud for Housing
Fraud for Profit
Air Loan
Appraisal/Valuation
Assets
Employment
Identity Theft
Income
Non-Arm’s Length Transaction
Occupancy Fraud
Settlement Agent
Short Sale
Shot-Gunning
Straw Borrower
Undisclosed Debt
Affinity Fraud
Builder Bail-Out
Foreclosure Rescue
Loan Modification Scams
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Reverse Mortgage Fraud
Case Study
Loan Fraud 2016 Chapter 2: Chapter Two will review loan fraud statistics and SARS reporting.
It consists of the following sections:
Loan Fraud Statistics Types of Fraud
Mortgage Fraud Case Studies
SARs Reporting
Anti-Money Laundering Rule
SARs Rule Reporting Requirements
CT Comprehensive SAFE CE 2016 Part 3: Nontraditional Lending
VA Home Loans: This part covers the origination of mortgage loans that are to be guaranteedby the Veterans Administration (VA) on 1-4 unit Single Family Residences. It consists of the
following sections:
What is a VA Home Loan?
VA Loan Features
Eligible Loan Purposes
Property Eligibility
Occupancy Requirements
Who has Jurisdiction over the Lender?
Types of Approval Authority Granted to Lenders
Basic Entitlement and the Amount of Loan Guaranty
Who is Eligible for a VA Home Loan
How to Document Eligibility and Entitlement
VA Lender Resources
What is ‘Restoration’ of Entitlement?
Clearing Loans Listed as Unpaid on the COE
Back-to-Back Closings
VA Guaranty Calculation
Joint Loans
Case Study
Maximum Loan-To-Value
Maximum Loan Amount
Funding Fee
Appraisals
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Minimum Property Requirements
Refinances
Energy Efficient Mortgage
Credit
Income Reservists, National Guard & Active Duty Applicants
Helpful Hints for Reviewing the Military LES
VA Education Benefits
Rental Income for 2-4 Unit Properties
Debt to Income Ratio (DTI)
Residual Income
Special Instructions for using Tables
Residual Income Calculation
Power of Attorney (POA)
‘Alive and Well’ Status
VA Loan Fees
Seller Concessions
Purchase Agreement Escape Clause
Case Study
CT Comprehensive SAFE CE 2016 Part 4:
Connecticut Mortgage Law Update 2016
CT Mortgage Law Update 2016 Chapter 1 consists of the following sections:
Definitions and Explanations
Prohibited Acts
CT Mortgage Law Update 2016 Chapter 2 consists of the following sections:
High Cost Home Loans
Disclosures
Prohibited Provisions in High Home Loan Agreements
Prohibited Acts by Lender Nonprime Loans
Restrictions on Provisions
Other regulations
Case Study
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CT Comprehensive SAFE CE 2016 Course Final: 25 question final exam covering all of the
material discussed in the course.
Course Evaluation: Students will be allowed to give feedback regarding the course.
Course Schedule
This course consists of the four parts outlined below. The requirements for each part are listed
with the approximate time needed to complete each learning module. This course meets the
minimum time requirement of 50 seat minutes for each clock hour the course is approved.
This course is approved as an eight hour course and must be completed in its entirety in order
for you to receive credit.
Good Luck
Once again, thank you for choosing Praedo Institute. Your success is extremely important to us.
Please let us know if we can be of assistance at any time. Enjoy the course!
Course Outline and Schedule
Module Reading Assignments DueInstruction Time
Allocation (Minutes)
CT Comprehensive SAFE CE 2016 Part 1: Federal Law
Introduction Instructions ROC & Attestation 10
Fair Lending Chapter
1 Department of Justice Quiz Question 7
Fair Lending Chapter
1
Consumer Financial
Protection BureauQuiz Question 2
Fair Lending Chapter
1 Fair Housing Act Quiz Questions 9
Fair Lending Chapter1
Equal CreditOpportunity Act
Quiz Question 2
Fair Lending Chapter
1
When You Apply for
CreditQuiz Question 2
Fair Lending Chapter
1
When Deciding to
Grant CreditQuiz Question 4
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Fair Lending Chapter
1
You Also Have the
Right to… Quiz Question 2
Fair Lending Chapter
1
If a Creditor has
Discriminated Against
you
Quiz Question 2
Fair Lending Chapter1
Types ofDiscrimination
Quiz Question 1
Fair Lending Chapter
1 Overt Discrimination Quiz Question 2
Fair Lending Chapter
1 Disparate Treatment Quiz Questions 6
Fair Lending Chapter
1 Disparate Impact Quiz Questions 6
Fair Lending Chapter
1N/A Chapter Quiz 3
Fair Lending Chapter2
Home MortgageDisclosure Act
Quiz Question 4
Fair Lending Chapter
2HMDA Case Study Quiz Question 3
Fair Lending Chapter
2HMDA Data Quiz Question 1
Fair Lending Chapter
2Tips for Compliance Quiz Question 3
Fair Lending Chapter
2Case Study #1 Quiz Questions 9
Fair Lending Chapter
2 Case Study #2 Quiz Questions 9
Fair Lending Chapter
2Case Study #3 Quiz Questions 8
Fair Lending Chapter
2Recent Cases Quiz Questions 24
Fair Lending Chapter
2N/A Chapter Quiz 3
Fair Lending Chapter
2N/A Course Final 10
RESPA Enforcement
Chapter 1
Introduction
Quiz Question 3
RESPA Enforcement
Chapter 1
Wells Fargo/Chase
CFPB SettlementQuiz Questions 25
RESPA Enforcement
Chapter 1
Lighthouse Title CFPB
SettlementQuiz Questions 17
RESPA Enforcement
Chapter 1N/A Chapter Quiz 3
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RESPA Enforcement
Chapter 2
CFPB Compliance
BulletinQuiz Questions 9
RESPA Enforcement
Chapter 2
Case StudyQuiz Question 32
RESPA Enforcement
Chapter 2 N/A Chapter Quiz 3RESPA Enforcement
Chapter 2N/A Course Final 5
CT Comprehensive SAFE CE 2016 Part 2: Ethics and Loan Fraud
Loan Fraud Chapter 1 Introduction Quiz Question 6
Loan Fraud Chapter 1 Types of Fraud Quiz Questions 27
Loan Fraud Chapter 1 Case Study Quiz Questions 11
Loan Fraud Chapter 1 N/A Chapter Quiz 5
Loan Fraud Chapter 2 Loan Fraud Statistics Quiz Question 4Loan Fraud Chapter 2 Types of Fraud Quiz Question 4
Loan Fraud Chapter 2Mortgage Fraud Case
StudiesQuiz Question 7
Loan Fraud Chapter 2 SARs Reporting Quiz Questions 12
Loan Fraud Chapter 2Anti-Money
Laundering RuleQuiz Questions 6
Loan Fraud Chapter 2SARs Rule Reporting
RequirementsQuiz Questions 17
Loan Fraud Chapter 2 N/A Course Final 10
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CT Comprehensive SAFE CE 2016 Part 3: Nontraditional Lending
VA Home LoansWhat is a VA Home
Loan?Quiz Question 4
VA Home Loans VA Loan Features Quiz Question 1
VA Home Loans Eligible Loan Purposes Quiz Question 1
VA Home Loans Property Eligibility Quiz Question 2
VA Home LoansOccupancy
RequirementsQuiz Question 1
VA Home LoansWho has Jurisdiction
over the Lender?Quiz Question 1
VA Home Loans
Types of Approval
Authority Granted to
Lenders
Quiz Question 1
VA Home Loans
Basic Entitlement and
the Amount of Loan
Guaranty
Quiz Question 2
VA Home Loans Who is Eligible for a
VA Home Loan?Quiz Question 4
VA Home Loans
How to Document
Eligibility and
Entitlement
Quiz Question 2
VA Home Loans VA Lender Resources Quiz Question 5
VA Home Loans What is ‘Restoration’
of Entitlement?Quiz Question 2
VA Home Loans Clearing Loans Listed
as Unpaid on the COEQuiz Question 1
VA Home Loans Back-to-Back Closings Quiz Question 1
VA Home LoansVA Guaranty
CalculationQuiz Question 6
VA Home Loans Joint Loans Quiz Question 1
VA Home Loans Case Study Quiz Questions 5
VA Home Loans Maximum Loan-To-
ValueQuiz Question 1
VA Home Loans Maximum Loan
AmountQuiz Question 1
VA Home Loans Funding Fee Quiz Question 1
VA Home Loans Appraisals Quiz Question 1
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VA Home Loans Minimum Property
RequirementsQuiz Question 5
VA Home Loans Refinances Quiz Question 1
VA Home Loans Energy Efficient
MortgageQuiz Question 2
VA Home Loans Credit Quiz Question 2VA Home Loans Income Quiz Question
VA Home Loans
Reservists, National
Guard & Active Duty
Applicants
Quiz Question 2
VA Home Loans
Helpful Hints for
Reviewing the Military
LES
Quiz Question 1
VA Home Loans VA Education Benefits Quiz Question 1
VA Home LoansRental Income for 2-4
Unit Properties
Quiz Question 1
VA Home LoansDebt to Income Ratio
(DTI)Quiz Question 1
VA Home Loans Residual Income Quiz Question 2
VA Home Loans Special Instructions for
using TablesQuiz Question 2
VA Home Loans Residual Income
CalculationQuiz Question 1
VA Home LoansPower of Attorney
(POA)Quiz Question 1
VA Home Loans ‘Alive and Well’ Status Quiz Question 1VA Home Loans VA Loan Fees Quiz Question 3
VA Home Loans Seller Concessions Quiz Question 1
VA Home Loans Purchase Agreement
Escape ClauseQuiz Question 1
VA Home Loans Case Study Quiz Questions 5
VA Home Loans N/A Course Final 5
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CT Comprehensive SAFE CE 2016 Part 4: Connecticut Mortgage Law Update 2016
CT Mortgage Law
Update 2016
Chapter 1
Definitions and
Explanations
Quiz Question 3
CT Mortgage Law
Update 2016
Chapter 1
Prohibited Acts Quiz Questions 5
CT Mortgage Law
Update 2016
Chapter 1
N/A Chapter Quiz 3
CT Mortgage Law
Update 2016
Chapter 2
High Cost Home Loans Quiz Question 3
CT Mortgage LawUpdate 2016
Chapter 2
Disclosures Quiz Question 2
CT Mortgage Law
Update 2016
Chapter 2
Prohibited Provisions
in High Cost Home
Loan Agreements
Quiz Question 5
CT Mortgage Law
Update 2016
Chapter 2
Prohibited Acts by
LenderQuiz Questions 5
CT Mortgage Law
Update 2016Chapter 2 Nonprime Loans Quiz Questions 5
CT Mortgage Law
Update 2016
Chapter 2
Restrictions on
ProvisionsQuiz Question 4
CT Mortgage Law
Update 2016
Chapter 2
Other Regulations Quiz Question 4
CT Mortgage Law
Update 2016
Chapter 2
Case Study Quiz Questions 4
CT Mortgage Law
Update 2016
Chapter 2
N/A Chapter Quiz 3
Course Final N/AComprehensive Final
Exam20
Course Evaluation N/A Evaluation 5