Federal Laws		
	A. Early Disclosure Laws	
		1. RESPA
		2.TILA
		3.HOEPA
		4.HPA (Homeownership Protection Act)
	B.Fair Lending Laws	
		1.ECOA
		2.FHA
		3.HMDA
		4.CRA
	C. Privacy and Identity Protection Laws	
		1.GLBA
		2.TSR
		3.USA PATRIOT Act	
	D. Credit Laws		
		1.FCRA	
		2.FACTA	
		3.Red Flags Rule	
	E. Other Federal Laws and Guidelines		
		1.SAFE Act	
		2.MDIA	
		3.NFIA	

General Mortgage Knowledge			
	A. Products
		1.Conventional / Non-Conforming / Jumbos / Sub-Prime	
		2.Government Loan Programs	
			a.FHA
			b.USDA
			c.VA
		3.Non-Traditional	
			a.Alt-A
			b.Reverse Mortgages
			c.Interest Only Options
			d.Option ARM Loans
			e.ARM Loans
			f.  HELOCs
			g.Balloon Loans
	B. General Terms, Concepts and Principles		
	C. Miscellaneous		

Mortgage Loan Originator Activities			
	A.The Loan Application		
		1.Documentation and verification	
		2.Suitability and disclosure processes	
	B. Mortgage Math
	C. Processing, Underwriting, Submission and Approval
	D. Closing, Funding and Recordation
	E. Miscellaneous

Ethics and Consumer Protection	
	A.Mortgage Fraud and Identity Theft
	B. Ethical Behavior / Professional Etiquette
	C. Responsibility Lending, Anti-Predatory Lending
	D. Customer Service Excellence