4. Adopt Written Policies Ensuring Compliance With Federal and State Consumer Financial Laws
{"Image DocumentName": "4. Adopt Written Policies Ensuring Compliance With Federal and State Consumer Financial Laws", "Image ImageDescription": "Step. Description. When Completed. Submit documents for recording to the county recorder (or equivalent) or the person or entity responsible for recording in a timely fashion (generally within two business days of settlement) Use electronic recording where available. Track shipment of documents being recorded. Respond timely to recording rejections. Maintain a record verifying documents were recorded. Determine your legal and contractual requirements for recording documents and incorporate into procedures. Utilize rate manuals and online calculators. Ensure discounted rates are charged when appropriate, including refinance and reissue rates. Review files after settlement to ensure consumers charged proper rates. Timely refund consumers when overpayment is detected. Develop procedures to ensure customers are charged established rates for services.", "Image XResolution": "37", "Image YResolution": "37", "Image ResolutionUnit": "Pixels/Centimeter", "Image Software": "SlidePlayer", "Image YCbCrPositioning": "Centered"}