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Mortgage Regulation News, Winter 2009 - State of Oregon - dfcs oregon

Mortgage Regulation News, Winter 2009 - State of Oregon - dfcs oregon-2025

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The document discusses the challenges faced by the mortgage lending industry in Oregon, highlighting a significant decline in registered loan originators from over 14,000 in 2005 to 4,800 in 2009. It outlines the Oregon Division of Finance & Corporate Securities' efforts to ensure a safe lending environment through increased examinations, proposed licensing requirements for loan originators, and legislative changes aimed at consumer protection. Key legislative proposals include House Bill 2189 for licensing all loan originators and House Bill 2188 imposing restrictions on negative amortization loans. The document also mentions new resources available online for public access to loan originator information and enforcement orders.

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Click ‘Get Form’ to open the Mortgage Regulation News document in the editor.
Begin by reviewing the Administrator’s message section. This provides context on the current state of the mortgage lending industry in Oregon and highlights key legislative changes.
Navigate to the '2008 Annual Report' section. Here, you will find instructions for filing your annual report online. Ensure you have your license and PIN ready for access.
Proceed to fill out any required fields related to enforcement updates. This section may require you to input specific details about compliance or violations if applicable.
Review additional resources mentioned in the document, such as links to new tools or educational classes. You can easily click on these links within the editor for more information.
Finally, ensure all sections are completed accurately before saving or exporting your filled form for submission.

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Who is charged with the regulation of mortgage professionals in Oregon?

The Division of Financial Regulation has regulatory authority over mortgage brokers, lenders, independent processor contractors, and mortgage loan originators conducting business in Oregon. Mortgage brokers and lenders are required to obtain a license as a mortgage lender in Oregon.

Who regulates mortgage companies in Oregon?

The Oregon Division of Financial Regulation regulates debt management companies, mortgage lenders, and mortgage service companies. The division also regulates insurance companies, state-chartered banks, and credit unions.

Who holds mortgage companies accountable?

Who Regulates Mortgage Lenders? U.S. Department of Housing and Urban Development (HUD) Federal Housing Finance Agency (FHFA) National Housing Act. Housing And Economic Recovery Act (HERA)

What federal agency regulates mortgage companies?

The Oregon Real Estate Agency is the state agency that issues real estate licenses. Applying with us for a real estate license is your first step to a property management career in this state.

What is the financial regulation of Oregon?

The Division of Financial Regulation is a government office that protects Oregonians access to fair products and services. The Division of Financial Regulation reviews complaints about insurance companies, banks, credit unions, student loan companies, investment companies, and collection agencies.