Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
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Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
Watch short tutorials on updating your photo, inserting a hyperlink and much more
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Find answers to most FAQ's
Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
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Find some that are close to home and close to heart
Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
As part of OE’s National Oversight Program, the Office of
Examination evaluated compliance with the Federal Reserve Consumer Regulations
and Farm Credit Administration Borrower Rights Regulations at selected System
institutions. The results of the examination activity were communicated
separately to each of the institutions examined.
Based on the findings observed, we expect all institutions to
evaluate their practices related to compliance with consumer and borrower rights
regulations. In particular, institutions must ensure templates and forms are
fully completed with appropriate information. Additionally, institutions should
also maintain an effective and ongoing training program with emphasis on new or
revised laws and regulations, as well as exceptions cited in internal audits and
FCA examinations. There were several findings observed at multiple institutions
that should be reviewed by all institutions to ensure regulatory compliance.
Equal Credit Opportunity Act (ECOA) Regulation B
(12 CFR Part 202) § 202.13 requires that Voluntary Monitoring
Information must be collected for the applicant’s (and co-applicant’s)
Ethnicity, Race, Sex, Marital Status, and Age. If the applicant does not
complete the information, loan officers should complete the form based
on visual observation.
ECOA Regulation B (12 CFR Part 202) § 202.9
requires applicants be given a specific reason for denial or the right
to a statement of specific reasons for denial. The failure to meet
underwriting standards and a minimum credit score are not specific
enough reasons; therefore, additional information should be
ECOA Regulation B (12 CFR Part 202) § 202.9 also
requires that the ECOA notice include the appropriate agency contact
information. The correct notice for Farm Credit institutions should
The federal Equal Credit Opportunity Act prohibits
creditors from discriminating against credit applicants on the basis of race,
color, religion, national origin, sex, marital status, age (provided the
applicant has the capacity to enter into a binding contract); because all or
part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer
Credit Protection Act. The federal agency that administers compliance with this
law concerning this creditor is the Farm Credit Administration, 1501 Farm Credit
Drive, McLean, VA 22102-5090.
FCA Regulation 617.7410 requires that the
Distressed Loan Restructuring (DLR) notice
must include a statement identifying the
loan as distressed. In addition, this FCA Regulation requires that
borrowers in bankruptcy receive DLR notifications. Furthermore,
institutions should document their analysis of restructuring requests
including the least cost analysis and the timeframe for the decision.
The 15-day period for the decision-making process begins
at the end of the
negotiations to develop a restructuring application, and this date must
Furthermore, the Agency would like to remind FCS institutions
of the following:
Institutions should review the updated
requirements of the Real Estate Settlement Procedures Act (24 CFR Part
3500), especially the disclosure requirements for Good Faith Estimates
and the Special Information Handbook as well as retention requirements
for the HUD-1 and HUD-1A forms.
Institutions should review the updated
requirements of the Truth in Lending Act Regulation Z (12 CFR Part 226),
especially the requirements for disclosing required deposits and
security interests as well as when it is appropriate to select the
Institutions are encouraged to develop procedures
to determine applicability of the Home Mortgage Disclosure Act on an
As addressed in the recently issued National
Oversight Plan for Fiscal Year 2010, issued December 16, 2009, we
anticipate delinquencies and borrower complaints to increase in the
rising risk environment facing agriculture. As a result, we encourage
institutions to review borrower rights policies and procedures
especially in the areas of Distressed Loan Restructuring, Right of First
Refusal, and Credit Review Committees and increase training accordingly.
Fantastic Services specializes in documenting compliance. They provide
dynamic engineered workflow's that provide irrefutable evidence that compliance
has been achieved. Working with Fantastic Services will provide you peace of
mind, knowing that your digital workflow solution will exceed all Government,
State and Industry regulation requirements including UETA, eSignature, Patriot
Act, UCC, RESPA and respective industry’s best practices including MISMO and
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.