Consumer Lending - American Bankers Association
2024年11月12日 · Consumer Lending. Consumer lending is the category of financing centered on individual and household consumers. It includes home and auto loans, as well as personal loans extended to people who use the funds for individual or family purposes.
Consumer Loan Process - American Bankers Association
Consumer Loan Process Guides you through using the three-step consumer lending process, including customer service and regulatory considerations. Discover how to take a complete and accurate application, as well as evaluate the borrower's ability and willingness to repay a loan.
Consumer Lending - Facilitated Training - American Bankers …
The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application. Learning Objectives. Explain the consumer lending process; Describe various loan products; Identify components of the consumer installment credit market
Consumer Lending - Textbook - American Bankers Association
Consumer Lending covers the essentials of the consumer lending business today and explains the important and relevant features, processes, and laws. Students taking Consumer Lending will learn the features and benefits of consumer loan products and operations, including closed-end and open-end loans, direct and indirect lending, and secured ...
Consumer Financial Protection Act - American Bankers Association
2024年2月7日 · The Consumer Financial Protection Act of 2010 created the Consumer Financial Protection Bureau which opened its doors in 2011. The Bureau has supervision authority for depository institutions with more than $10 billion in assets, and has examination and enforcement powers for financial industry participants that offer consumers financial products.
Truth in Lending Act (Reg Z) - American Bankers Association
2024年8月30日 · Regulation Z impacts all consumer credit including mortgages, home equity, car, and personal loans as well as credit cards. In addition to disclosures, it imposes limitations on home equity plans, addresses certain charges applicable to credit cards, and regulates certain practices with regard to private education loans.
Consumer Banking Online Training - American Bankers Association
Consumer Banking Online Training. From webinars and certificates to online courses, these training opportunities help you serve, target and grow your individual customer base.
Small Dollar Lending - American Bankers Association
2015年12月6日 · Small-dollar loans are critical to meet a variety of customer needs, such as to pay emergency expenses, to manage misalignments in the timing of their expenses and income, to cover a transition period between jobs or, for seasonal workers, to cover disruptions in pay.
Mortgage Servicing: Overview - American Bankers Association
Explain procedural rights and protections for financially distressed borrowers seeking a loan workout or other type of assistance with their mortgage loan Explain how the Bureau's goals, interpretive ruling and new borrower rights impact the design and execution of compliant servicer policies, procedures, and requirements, as well as and ...
Military Lending Act - American Bankers Association
2017年9月30日 · MLA covers consumer loans except for residential mortgage and purchase money loans such as car loans. It caps the “all-in” military annual percentage rate (not interest rate) to 36 percent and prohibits enforcement of arbitration agreements certain other terms. Banks must determine the military status of applicants and provide special disclosures.