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hmmm, its hard to think of a level playing field in any industry and truth be told it almost never occurs. Regardless of that however the CFPB is taking steps to make loan originators, regardless of the entity they work under, now all comply to the same standards!
What does this mean, you may be asking?
Simple it makes consumers a little safer actually.
Currently under the laws today any NON federal agency gets a blanket to wrap all their origination's/originators under. By working for a federally insured bank the thought was the consumer was protected. It didn't take long to figure out that anyone who could not pass a background check, credit check, bonding ability and the national and state test or did the mandatory CE requirements to start and then yearly, simply went to work for a federally chartered bank and they basically got a hall pass?
So anyone a bank was willing to hire that couldn't meet the following or even worse could be the person taking your personal and sensitive information on your loan application!!!
Well not for much longer. The CFPB has announced they will be making ALL originators pass the same testing and background requirements all of us NON bank people already do.
So again... what does this part mean?
Its likely many banks will lose a good number of originators due to having to now pass all the items the NON federal entities currently do. They will not be able to hide their inadequacies under the federal charter umbrella and they either will be able to pass all the tests, background checks, CE requirements and bonding requirements everyone else does or they will be exiting the industry. In addition its likely the testing centers are going to see a big boost in number of requests as well.
We have a long way to go to really get to a "level playing field" but this is a much needed step in the right direction!
Colorado 1st Time buyers, if you are ready to stop renting, get the many benefits from home ownership, or maybe your a current homeowner looking to move up or maybe looking into what it takes to become an investor in this incredible market, that WILL create millionaires, and you are looking for a strategy, answers and direction, please feel free to call or email me. My 18yrs in mortgage lending and 27 years in finance gives me an in depth knowledge, critical to helping others and making their dreams go from dream to reality!
David Shamansky "Positive reinforcer, promoter, success coach, entrepreneur, team builder, wealth builder, blessed individual, business leader and professional lender"
US Mortgages 6855 S Havana St Ste 520 Centennial CO 80112 720-524-8020 NMLS#392126 Equal Housing Lender
Life, Lessons, Encouragment and a little market insight to boot, is a blog written by David Shamansky.
I write this as a daily informational and encouragement resource to others in the real estate and mortgage community.
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.