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Get And Sign Anti Steering Disclosure Sample 2012-2021 Form

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welcome back I'm Elizabeth Khalil and i'm joined by glen gimble in this segment we'll be discussing record retention and required policies and procedures under the yellow comp rule but before we begin our discussion of these provisions let's briefly review a few other aspects of the rule relating to loan originator compensation first let's address the permissibility of pricing concessions under the uh lo comp rule under pre-existing Regulation Z commentary a creditor and loan originator could not agree to set the loan originator compensation at a certain level and then subsequently lower it in selective cases such as where the consumer is offered a reduced rate to meet a quote from another creditor the l 0 comp rule now provides a limited exception to this prohibition a loan originator may reduce compensation to defray the costs in whole or in part of an unforeseen settlement costs not disclosed to the consumer under respa or an unforeseen increase in an actual settlement costs over an

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