NMLS MLO 問題集

質問 1：
If an applicant provides a waiver for the requirement to receive their appraisal three business days prior to a loan's consummation and the transaction ends up not closing at all, a creditor must still provide a copy of the appraisal no later than how many days after the creditor determines consummation will not occur?
A. 10 days
B. 30 days
C. 45 days
D. 60 days
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 2：
When applying for a home equity line of credit (HELOC), consumers should review documentation carefully and be sure that they consider:
A. if the HELOC is insured by HUD.
B. if the HELOC requires private mortgage insurance
C. the APR and the costs of acquiring and maintaining the HELOC.
D. if the company offering the HELOC has deposit accounts insured by the FDIC.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 3：
Which of the following is a requirement for a mortgage loan originator (MLO) license?
A. Completed at least 10 hours of pre-licensing education
B. Have never been convicted of a felony in a domestic, foreign or military court
C. Are covered by either a net worth or surety bond or pay into a state fund as required by the state loan originator's supervisory authority
D. Have not had an MLO license revoked in the last five years
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 4：
Which of the following acts requires mortgage loan originators to complete annual continuing education to satisfy the requirement for licensure?
A. The Dodd-Frank Act
B. The Truth in Lending Act (TILA)
C. The Equal Credit Opportunity Act
D. The SAFE Act
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 5：
The Red Flags Rule under the Fair and Accurate Credit Transactions Act (FACTA) require lenders to:
A. implement an internal watch system to prevent the misrepresentation of occupancy status
B. adopt best practices for property evaluations as stipulated in the Home Valuation Code of Conduct.
C. implement a written program to detect warning signs of identity theft.
D. adopt a credit score evaluation method utilizing the middle of three repository scores and the lowest of all borrowers' scores.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 6：
Which of the following applicant characteristics is legally permitted to be considered in evaluating credit risk?
A. Whether the applicant has a phone number listing in their name
B. Whether the applicant seems likely to have children
C. Whether the alimony payments the applicant relies on for income are likely to continue and to be consistently made
D. Whether the applicant's age makes them ineligible for credit-related insurance
正解：C
解説: (Topexam メンバーにのみ表示されます)