RESIDENTIAL MORTGAGE ORIGINATORS AND SERVICERS

Abandoned and unclaimed property laws, compliance

License applications, Minn. Statutes 2004 58.06

Standards of conduct, Minn. Statutes 2004 58.13

Addresses, license applications, Minn. Statutes 2004 58.06

Advance fees

Contracts, Minn. Statutes 2004 58.16

Defined, Minn. Statutes 2004 58.02

License exemption, Minn. Statutes 2004 58.04

Standards of conduct, Minn. Statutes 2004 58.16

Advertising

Advertisement, defined, Minn. Statutes 2004 58.02

Copies of, retention period, Minn. Statutes 2004 58.14

Defined, Minn. Statutes 2004 58.13

Standards of conduct, Minn. Statutes 2004 58.13

Affirmations

License applications, Minn. Statutes 2004 58.06

Noncompliance, action subject to penalty, Minn. Statutes 2004 58.12

Standards of conduct, Minn. Statutes 2004 58.13

Agents

Nonagency disclosure, Minn. Statutes 2004 58.13, 58.15

Standards of conduct, Minn. Statutes 2004 58.13, 58.16

Application of law

Generally, Minn. Statutes 2004 58.17

Lender fees, limitations, Minn. Statutes 2004 58.137

License exemptions, Minn. Statutes 2004 58.04

Prepayment penalties, disclosure, Minn. Statutes 2004 58.137

Rates and charges, limitations, Minn. Statutes 2004 58.136

Appraisers, standards of conduct, Minn. Statutes 2004 58.13

Audits and examinations

Noncompliance, action subject to penalty, Minn. Statutes 2004 58.12

Bankruptcy, notice, Minn. Statutes 2004 58.06, 58.14

Borrowers, Minn. Statutes 2004 58.02, 58.16

Brokering or lending services, Minn. Statutes 2004 58.06, 58.13

Business activities, license applications, Minn. Statutes 2004 58.06

Censure, license violations, generally, Minn. Statutes 2004 58.12

Certificates of exemption

Fees, Minn. Statutes 2004 58.10

Issuance, Minn. Statutes 2004 58.05

Revocation, Minn. Statutes 2004 58.12

Coercion

Action subject to penalty, Minn. Statutes 2004 58.12

Standards of conduct, Minn. Statutes 2004 58.13

Commissions (compensation), contracts, Minn. Statutes 2004 58.16

Compensation and salaries

Contracts, Minn. Statutes 2004 58.16

Standards of conduct, Minn. Statutes 2004 58.13

Complaints against, documentation and resolution, Minn. Statutes 2004 58.14

Consumer education

Appropriations for, Minn. Statutes 2004 58.10

Contested cases, licenses, effect on, Minn. Statutes 2004 58.12

Contracts

Residential mortgage originator services, Minn. Statutes 2004 58.16

Standards of conduct, Minn. Statutes 2004 58.13

Deceptive trade practices, action subject to penalty, Minn. Statutes 2004 58.12

Definitions

Advertisement, Minn. Statutes 2004 58.13

Fees and charges, Minn. Statutes 2004 58.137

Offer, Minn. Statutes 2004 58.17

Private mortgage insurance, Minn. Statutes 2004 47.207

Residential Mortgage Originator and Servicer Licensing Act, Minn. Statutes 2004 58.02

Disbursements

Records and record keeping, Minn. Statutes 2004 58.16

Standards of conduct, Minn. Statutes 2004 58.13

Disciplinary action, subject to penalty, Minn. Statutes 2004 58.12

Disclosure

Cancellation rights and procedures, Minn. Statutes 2004 58.16

Electronic residential mortgage applications, Minn. Statutes 2004 58.15

HUD disclosure, Minn. Statutes 2004 58.15

Insurance producers, violations, Minn. Statutes 2004 60K.43

Lenders, Minn. Statutes 2004 58.16

Nonagency, Minn. Statutes 2004 58.13, 58.15

Prepayment penalties, Minn. Statutes 2004 58.137

Residential mortgage originator services, Minn. Statutes 2004 58.16

Electronic residential mortgage applications, disclosure, Minn. Statutes 2004 58.15

Employees

Defined, Minn. Statutes 2004 58.02

License applications, Minn. Statutes 2004 58.06

License exemptions, Minn. Statutes 2004 58.04, 58.05

Escrow accounts, Minn. Statutes 2004 58.02, 58.16

False advertising, standards of conduct, Minn. Statutes 2004 58.13

False representation, standards of conduct, Minn. Statutes 2004 58.13

False statements

License applications, action subject to penalty, Minn. Statutes 2004 58.12

Standards of conduct, Minn. Statutes 2004 58.13

Fees

Certificates of exemption, Minn. Statutes 2004 58.10

Lender fees exceeding five percent, Minn. Statutes 2004 58.137

Licenses, Minn. Statutes 2004 58.09, 58.10

Nonpayment, action subject to penalty, Minn. Statutes 2004 58.12

Overpayments, refunds, Minn. Statutes 2004 58.10

Prepayment penalties, limitations, Minn. Statutes 2004 58.137

Records and record keeping, Minn. Statutes 2004 58.16

Standards of conduct, Minn. Statutes 2004 58.13

Fiduciary requirements

Agency or advance fee transactions, Minn. Statutes 2004 58.16

Licenses, Minn. Statutes 2004 58.04, 58.05

Fines, Minn. Statutes 2004 58.12

Foreclosure consultants, exclusion, Minn. Statutes 2004 325N.01

Forms

License applications, Minn. Statutes 2004 58.06

License exemptions, Minn. Statutes 2004 58.15

Nonagency disclosure, Minn. Statutes 2004 58.15

Prepayment penalties, disclosure, Minn. Statutes 2004 58.137

Fraud

Action subject to penalty, Minn. Statutes 2004 58.12

License application information, Minn. Statutes 2004 58.06

Gross negligence

Action subject to penalty, Minn. Statutes 2004 58.12

License application information, Minn. Statutes 2004 58.06

Guilty pleas, action subject to penalty, Minn. Statutes 2004 58.12

Injunctions

License application information, Minn. Statutes 2004 58.06

Violations, action subject to penalty, Minn. Statutes 2004 58.12

Interest rates, residential mortgage loans, Minn. Statutes 2004 58.16

Intimidation, standards of conduct, Minn. Statutes 2004 58.13

Investigations

Financial data, Minn. Statutes 2004 58.06

Noncompliance, action subject to penalty, Minn. Statutes 2004 58.12

Lenders

Defined, Minn. Statutes 2004 58.02

Disclosure, Minn. Statutes 2004 58.16

Letters of credit, Minn. Statutes 2004 58.08

Licenses

Age, Minn. Statutes 2004 58.06

Applications

Action subject to penalty, Minn. Statutes 2004 58.12

Material changes, notice, Minn. Statutes 2004 58.06, 58.14

Requirements, Minn. Statutes 2004 58.06, 58.11

Surety bonds or letters of credit, Minn. Statutes 2004 58.08

Cancellation, procedures, Minn. Statutes 2004 58.11

Certificates of exemption, Minn. Statutes 2004 58.05, 58.10, 58.12

Classes, Minn. Statutes 2004 58.03

Exemptions, Minn. Statutes 2004 58.04, 58.05, 58.10, 58.12

Expiration, Minn. Statutes 2004 58.09

Fees, Minn. Statutes 2004 58.09, 58.10

Lapsed, surrendered, withdrawn, or terminated licenses, Minn. Statutes 2004 58.12

Renewal, Minn. Statutes 2004 58.09, 58.11

Requirements, Minn. Statutes 2004 58.04

Suspension, revocation, or denial, Minn. Statutes 2004 58.12

Lines of credit, loan amount, defined, Minn. Statutes 2004 58.137

Mail and mailing

Cancellation of contract, notice, Minn. Statutes 2004 58.16

License renewal, Minn. Statutes 2004 58.11

Misrepresentation

Action subject to penalty, Minn. Statutes 2004 58.12

License application information, Minn. Statutes 2004 58.06

Standards of conduct, Minn. Statutes 2004 58.13

Names

License applications, Minn. Statutes 2004 58.06

Use, standards of conduct, Minn. Statutes 2004 58.13

Net worth, defined, Minn. Statutes 2004 58.02

Notice given

Bankruptcy, Minn. Statutes 2004 58.06, 58.14

Insurance producers, violations, Minn. Statutes 2004 60K.43

Lenders, disclosure, Minn. Statutes 2004 58.16

License applications, Minn. Statutes 2004 58.06, 58.14

License cancellation request, Minn. Statutes 2004 58.11

Private mortgage insurance, cancellation, Minn. Statutes 2004 47.207

Standards of conduct, Minn. Statutes 2004 58.13

Notice received, cancellation of contract, Minn. Statutes 2004 58.16

Oaths, license applications, Minn. Statutes 2004 58.06

Orders

Cease and desist orders, Minn. Statutes 2004 58.06, 58.12

Regulatory agency orders barring involvement in industry or profession, Minn. Statutes 2004 58.06, 58.12

Show cause for no penalty, Minn. Statutes 2004 58.12

Suspension or revocation orders, Minn. Statutes 2004 58.06, 58.12

Violations, action subject to penalty, Minn. Statutes 2004 58.12

Persons in control, Minn. Statutes 2004 58.02, 58.06

Rates and charges, Minn. Statutes 2004 58.136, 58.137

Records and record keeping

Fees, Minn. Statutes 2004 58.16

Generally, Minn. Statutes 2004 58.14

Insurance producers, violations, Minn. Statutes 2004 60K.43

Standards of conduct, Minn. Statutes 2004 58.13

Refunds, Minn. Statutes 2004 58.10, 58.16

Reports given

Audited financial data, to Commerce Department, Minn. Statutes 2004 58.06

Residential mortgage loans

Defined, Minn. Statutes 2004 58.02

Lender fees exceeding five percent, Minn. Statutes 2004 58.137

Loan amount, defined, Minn. Statutes 2004 58.137

Prepayment penalties, limitations, Minn. Statutes 2004 58.137

Rates and charges, limitations, Minn. Statutes 2004 58.136

Standards of conduct, Minn. Statutes 2004 58.13

Residential Mortgage Originator and Servicer Licensing Act

Generally, Minn. Statutes 2004 58.01 to 58.17

Rulemaking about

Violations of rules, action subject to penalty, Minn. Statutes 2004 58.12

Standards of conduct

Agency or advance fee transactions, Minn. Statutes 2004 58.16

Generally, Minn. Statutes 2004 58.13

Insurance producers, violations, Minn. Statutes 2004 60K.43

Violations, generally, Minn. Statutes 2004 58.12

Statements by, trust account disbursements, Minn. Statutes 2004 58.16

Surety bonds, Minn. Statutes 2004 58.08

Table funding, standards of conduct, Minn. Statutes 2004 58.13

Tax laws

License applications, compliance, Minn. Statutes 2004 58.06

Noncompliance, action subject to penalty, Minn. Statutes 2004 58.12

Termination of business

Plan, license cancellation, Minn. Statutes 2004 58.11

Time, licenses, timely renewal, Minn. Statutes 2004 58.11

Trust accounts

Contracts, Minn. Statutes 2004 58.16

Defined, Minn. Statutes 2004 58.02

Deposits to, Minn. Statutes 2004 58.16

Disbursements, monthly statements of, Minn. Statutes 2004 58.16

Records and record keeping, Minn. Statutes 2004 58.14

Standards of conduct, Minn. Statutes 2004 58.13

Trust funds, Minn. Statutes 2004 58.02, 58.13

Violations and penalties

Advertising violations, Minn. Statutes 2004 58.13

Civil penalties, Minn. Statutes 2004 58.12

Conducting business, Minn. Statutes 2004 58.04

Criminal violations or convictions, Minn. Statutes 2004 58.06, 58.12

Insurance producers performing residential activity, effect on license, Minn. Statutes 2004 60K.43

Lapsed, surrendered, withdrawn, or terminated licenses, Minn. Statutes 2004 58.12

License, rule, or order violations, generally, Minn. Statutes 2004 58.12

Standards of conduct, Minn. Statutes 2004 58.13

Writing, requirements

Bankruptcy notice, Minn. Statutes 2004 58.14

Contracts, cancellation notice, Minn. Statutes 2004 58.16

License applications, Minn. Statutes 2004 58.06

License cancellation, Minn. Statutes 2004 58.11

Prepayment penalties, disclosure, Minn. Statutes 2004 58.137

Written agreements, Minn. Statutes 2004 58.13, 58.16