Keep it secret, keep it safe. Or not. You're probably better off just advertising compliantly so that you actually get more business. Watch this short video on some upcoming changes to the way Facebook is handling advertisements for the housing...
Read more →The LO Down: Equifax: Wait, I thought I was getting money?
The FTC is supposed to protect us for false advertising, not participate in it. This week we update you on what you can expect to receive if your information was released in the Equifax breach in 2017. Spoiler: it's not much. Special...
Read more →What you may not know about TILA and APR
The Origins of TILA
The Federal Reserve Board originally had had the authority to implement the Truth in Lending Act "TILA", but this passed to the Consumer Financial Protection Bureau (CFPB) in 2011 in the wake of the Dodd-Frank Act. Regulation...
Read more →How to keep your marketing compliant with TILA / RESPA
1. Continue your marketing
It is important to note that you are allowed to give or receive things of value while doing business, they just cannot be with the expectation of business referrals, or the payment of expenses in exchange for referring...
Read more →Cross Qualification [VIDEO]
Ken examines cross-qualification and the consequences of flinging customer social security numbers out like Johnny Appleseed flinging seeds in a fertile meadow. Sending borrower information to other banks, lenders, or individuals can be a huge...
Read more →Finding Joy in Trials [VIDEO]
This week Ken is in Guatemala leading a team of teenagers who are serving the children in some Guatemalan orphanages and members of small villages around Guatemala City.
The challenge for you is this: Find joy in the midst of trials. We are...
Read more →Cyber Security and You [VIDEO]
In early August, Ken and Nathan wandered down to San Antonio to engage with the American Association of Residential Mortgage Regulators. In-between bites of barbecue, Ken delivered an eye-opening presentation on cyber security and its critical...
Read more →We're Moving On Up! [VIDEO]
We have just finished moving our company from Vancouver, WA to Camas, WA. While not a long distance move, definitely a great change for a lot of reasons. This week's Wednesday video is all about the move, why we're excited, and a little peek...
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