cfpb mortgage examination procedures …（cfpb抵押贷款审查程序u2026）.pdf

CFPB Mortgage Examination Procedures Origination Mortgage Origination Exam Date: [Clicktype] Exam ID No. [Clicktype] These Mortgage Origination Examination Prepared By: [Clicktype] Procedures (Procedures) consist of modules Reviewer: [Clicktype] covering the various elements of the mortgage Docket #: [Clicktype] origination process; each module identifies specific Entity Name: [Clicktype] matters for review. Examiners will use the Procedures in examinations of mortgage brokers and mortgage lenders. Before using the Procedures, examiners should complete a risk assessment and examination scope memorandum in accordance with general CFPB procedures. Depending on the scope, and in conjunction with the compliance management system review, including consumer complaint review, each examination will cover one or more of the following modules. Module 1 Company Business Model Module 2 Advertising and Marketing Module 3 Loan Disclosures and Terms Module 4 Underwriting, Appraisals, and Loan Originators Module 5 Closing Module 6 Fair Lending Module 7 Privacy Module 8 Examiner Conclusions and Wrap-Up CFPB January 2014 Procedures 1 CFPB Mortgage Examination Procedures Origination Examination Objectives 1. To assess the quality of a supervised entity’s compliance management systems in its mortgage origination business. 2. To identify acts or practices that materially increase the