Kentucky MLO study plan

Map the federal disclosure timeline from application through consummation (LE, CD, rescission) onto a single one-page calendar you draw yourself

Distinguish RESPA Section 8 prohibitions from permitted affiliated business arrangements and write a two-sentence test for each

List the triggers, tolerances, and changed-circumstance rules that permit a revised Loan Estimate, and state which fees carry zero tolerance

Define APR and finance charge components well enough to explain why a fee change can force redisclosure

Apply TILA ability-to-repay and qualified mortgage standards to three borrower scenarios and classify each loan as safe harbor, rebuttable presumption, or non-QM

Explain ECOA/Regulation B notice requirements for adverse action, including timing and permissible reasons

Outline HMDA data collection points and identify which fields a loan originator must capture at application

Summarize the Fair Housing Act protected classes and give one origination practice that risks a violation

Recite the SAFE Act originator requirements: registration, unique identifier use, and the annual renewal cycle

Explain why steering a borrower to a higher-cost loan for compensation is prohibited and describe a compliant compensation structure

Identify red flags of elder financial abuse and fraud-for-profit schemes and state the required escalation step

Connect UDAAP principles to three specific origination-stage behaviors

Compare conventional, FHA, VA, and USDA loan programs on down payment, mortgage insurance, and eligible property types

Trace the life of a loan from prequalification through funding, naming the role played at each stage

Explain how note rate, discount points, and origination fees interact to set the APR

Describe the secondary market path of a closed loan and how it affects servicing and borrower communication