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2008 Minnesota Statutes Index (topics)

RESIDENTIAL MORTGAGE ORIGINATORS AND SERVICERS

"Churning," Minn. Statutes 2008 58.13, 2008 58.18

Abandoned and unclaimed property laws, compliance

License applications, Minn. Statutes 2008 58.06

Standards of conduct, Minn. Statutes 2008 58.13

Addresses, license applications, Minn. Statutes 2008 58.06

Advance fees

Contracts, Minn. Statutes 2008 58.16

License exemption, Minn. Statutes 2008 58.04

Standards of conduct, Minn. Statutes 2008 58.16

Advertising

Advertisement, defined, Minn. Statutes 2008 58.02

Copies of, retention period, Minn. Statutes 2008 58.14

Standards of conduct, Minn. Statutes 2008 58.13

Agents

Nonagency disclosure, Minn. Statutes 2008 58.13, 2008 58.15

Standards of conduct, Minn. Statutes 2008 58.13, 2008 58.16

Appraisers, standards of conduct, Minn. Statutes 2008 58.13

Audits and examinations

Noncompliance, action subject to penalty, Minn. Statutes 2008 58.12

Bankruptcy, notice, Minn. Statutes 2008 58.06, 2008 58.14

Borrowers

Ability to pay, verification, Minn. Statutes 2008 58.13

Definitions, Minn. Statutes 2008 58.02

Generally, Minn. Statutes 2008 58.16

Breaches of trust, Minn. Statutes 2008 58.125

Brokering or lending services, Minn. Statutes 2008 58.06, 2008 58.13

Business activities, license applications, Minn. Statutes 2008 58.06

Censure, license violations, generally, Minn. Statutes 2008 58.12

Certificates of exemption

Fees, Minn. Statutes 2008 58.10

Issuance, Minn. Statutes 2008 58.05

Revocation, Minn. Statutes 2008 58.12

Coercion

Action subject to penalty, Minn. Statutes 2008 58.12

Standards of conduct, Minn. Statutes 2008 58.13

Commissions (compensation), contracts, Minn. Statutes 2008 58.16

Compensation and salaries

Contracts, Minn. Statutes 2008 58.16

Standards of conduct, Minn. Statutes 2008 58.13

Complaints against, documentation and resolution, Minn. Statutes 2008 58.14

Conducting business, violations and penalties, Minn. Statutes 2008 58.04

Consumer education, appropriations for, Minn. Statutes 2008 58.10

Contested cases, licenses, effect on, Minn. Statutes 2008 58.12

Contracts and agreements

Residential mortgage originator services, Minn. Statutes 2008 58.16

Standards of conduct, Minn. Statutes 2008 58.13

Criminal violations or convictions, Minn. Statutes 2008 58.06

Deceptive trade practices, action subject to penalty, Minn. Statutes 2008 58.12

Definitions

Advertisement, Minn. Statutes 2008 58.13

Fees and charges, Minn. Statutes 2008 58.137

Residential Mortgage Originator and Servicer Licensing Act, Minn. Statutes 2008 58.02

Disbursements

Records and record keeping, Minn. Statutes 2008 58.16

Standards of conduct, Minn. Statutes 2008 58.13

Disciplinary action, subject to penalty, Minn. Statutes 2008 58.12

Disclosure

Cancellation rights and procedures, Minn. Statutes 2008 58.16

Electronic residential mortgage applications, Minn. Statutes 2008 58.15

HUD disclosure, Minn. Statutes 2008 58.15

Insurance producers, violations, Minn. Statutes 2008 60K.43

Lenders, Minn. Statutes 2008 58.16

Nonagency, Minn. Statutes 2008 58.13, 2008 58.15

Prepayment penalties, Minn. Statutes 2008 58.137

Residential mortgage originator services, Minn. Statutes 2008 58.16

Taxes and insurance payments, Minn. Statutes 2008 58.13

Dishonesty, Minn. Statutes 2008 58.125

Electronic residential mortgage applications, disclosure, Minn. Statutes 2008 58.15

Employees

Education requirement, Minn. Statutes 2008 58.126

License applications, Minn. Statutes 2008 58.06

License exemptions, Minn. Statutes 2008 58.05

Escrow accounts, Minn. Statutes 2008 58.02, 2008 58.16

False advertising, standards of conduct, Minn. Statutes 2008 58.13

False representation, standards of conduct, Minn. Statutes 2008 58.13

False statements

License applications, action subject to penalty, Minn. Statutes 2008 58.12

Standards of conduct, Minn. Statutes 2008 58.13

Fees

Certificates of exemption, Minn. Statutes 2008 58.10

Lender fees exceeding five percent, Minn. Statutes 2008 58.137

Licenses, Minn. Statutes 2008 58.09, 2008 58.10

Nonpayment, action subject to penalty, Minn. Statutes 2008 58.12

Overpayments, refunds, Minn. Statutes 2008 58.10

Prepayment penalties, limitations, Minn. Statutes 2008 58.137

Records and record keeping, Minn. Statutes 2008 58.16

Standards of conduct, Minn. Statutes 2008 58.13

Fiduciary requirements

Agency or advance fee transactions, Minn. Statutes 2008 58.16

Licenses, Minn. Statutes 2008 58.04, 2008 58.05

Fines, Minn. Statutes 2008 58.12

Foreclosure consultants, exclusion, Minn. Statutes 2008 325N.01

Forms

License applications, Minn. Statutes 2008 58.06

License exemptions, Minn. Statutes 2008 58.15

Nonagency disclosure, Minn. Statutes 2008 58.15

Prepayment penalties, disclosure, Minn. Statutes 2008 58.137

Fraud

Action subject to penalty, Minn. Statutes 2008 58.12

License application information, Minn. Statutes 2008 58.06

Gross negligence

Action subject to penalty, Minn. Statutes 2008 58.12

License application information, Minn. Statutes 2008 58.06

Guilty pleas, action subject to penalty, Minn. Statutes 2008 58.12

Independent contractors, education requirement, Minn. Statutes 2008 58.126

Injunctions

License application information, Minn. Statutes 2008 58.06

Violations, action subject to penalty, Minn. Statutes 2008 58.12

Interest rates, residential mortgage loans, Minn. Statutes 2008 58.16

Intimidation, standards of conduct, Minn. Statutes 2008 58.13

Investigations

Financial data, Minn. Statutes 2008 58.06

Noncompliance, action subject to penalty, Minn. Statutes 2008 58.12

Lenders, disclosure, Minn. Statutes 2008 58.16

Letters of credit, Minn. Statutes 2008 58.08

Licenses

Age, Minn. Statutes 2008 58.06

Applications

Action subject to penalty, Minn. Statutes 2008 58.12

Material changes, notice, Minn. Statutes 2008 58.06, 2008 58.14

Requirements, Minn. Statutes 2008 58.06, 2008 58.11

Surety bonds or letters of credit, Minn. Statutes 2008 58.08

Cancellation, procedures, Minn. Statutes 2008 58.11

Certificates of exemption, Minn. Statutes 2008 58.05, 2008 58.10, 2008 58.12

Classes, Minn. Statutes 2008 58.03

Examinations, Minn. Statutes 2008 58.115

Exemptions, Minn. Statutes 2008 58.04, 2008 58.05, 2008 58.10, 2008 58.12

Expiration, Minn. Statutes 2008 58.09

Fees, Minn. Statutes 2008 58.09, 2008 58.10

Lapsed, surrendered, withdrawn, or terminated licenses, Minn. Statutes 2008 58.12

Renewal, Minn. Statutes 2008 58.09, 2008 58.11

Requirements, Minn. Statutes 2008 58.04

Suspension, revocation, or denial, Minn. Statutes 2008 58.12

Waiver of requirements, Minn. Statutes 2008 58.06

Lines of credit, loan amount, Minn. Statutes 2008 58.137

Mail and mailing

Cancellation of contract, notice, Minn. Statutes 2008 58.16

License renewal, Minn. Statutes 2008 58.11

Misrepresentation

Action subject to penalty, Minn. Statutes 2008 58.12

License application information, Minn. Statutes 2008 58.06

Standards of conduct, Minn. Statutes 2008 58.13

Money laundering, Minn. Statutes 2008 58.125

Names

License applications, Minn. Statutes 2008 58.06

Use, standards of conduct, Minn. Statutes 2008 58.13

Notice given

Bankruptcy, Minn. Statutes 2008 58.06, 2008 58.14

Insurance producers, violations, Minn. Statutes 2008 60K.43

Lenders, disclosure, Minn. Statutes 2008 58.16

License applications, Minn. Statutes 2008 58.06, 2008 58.14

License cancellation request, Minn. Statutes 2008 58.11

Private mortgage insurance, cancellation, Minn. Statutes 2008 47.207

Standards of conduct, Minn. Statutes 2008 58.13

Oaths and affirmations

License applications, Minn. Statutes 2008 58.06

Noncompliance, action subject to penalty, Minn. Statutes 2008 58.12

Standards of conduct, Minn. Statutes 2008 58.13

Orders

Cease and desist orders, Minn. Statutes 2008 58.06, 2008 58.12

Regulatory agency orders barring involvement in industry or profession, Minn. Statutes 2008 58.06, 2008 58.12

Show cause for no penalty, Minn. Statutes 2008 58.12

Suspension or revocation orders, Minn. Statutes 2008 58.06, 2008 58.12

Violations, action subject to penalty, Minn. Statutes 2008 58.12

Persons in control, Minn. Statutes 2008 58.02, 2008 58.06

Predatory lending practices, Minn. Statutes 2008 58.13

Rates and charges, Minn. Statutes 2008 58.136, 2008 58.137

Records and record keeping

Fees, Minn. Statutes 2008 58.16

Generally, Minn. Statutes 2008 58.14

Insurance producers, violations, Minn. Statutes 2008 60K.43

Standards of conduct, Minn. Statutes 2008 58.13

Refunds, Minn. Statutes 2008 58.10, 2008 58.16

Reports given

Audited financial data, to Commerce Department, Minn. Statutes 2008 58.06

Residential mortgage loans

Lender fees exceeding five percent, Minn. Statutes 2008 58.137

Prepayment penalties, limitations, Minn. Statutes 2008 58.137

Rates and charges, limitations, Minn. Statutes 2008 58.136

Standards of conduct, Minn. Statutes 2008 58.13

Residential Mortgage Originator and Servicer Licensing Act

Generally, Minn. Statutes 2008 58.01 to 2008 58.17

Standards of conduct

Agency or advance fee transactions, Minn. Statutes 2008 58.16

Generally, Minn. Statutes 2008 58.13

Insurance producers, violations, Minn. Statutes 2008 60K.43

Violations, generally, Minn. Statutes 2008 58.12

Statements by, trust account disbursements, Minn. Statutes 2008 58.16

Surety bonds, Minn. Statutes 2008 58.08

Table funding, standards of conduct, Minn. Statutes 2008 58.13

Tax laws

License applications, compliance, Minn. Statutes 2008 58.06

Noncompliance, action subject to penalty, Minn. Statutes 2008 58.12

Termination of business, plan, license cancellation, Minn. Statutes 2008 58.11

Time, licenses, timely renewal, Minn. Statutes 2008 58.11

Transaction agents, Minn. Statutes 2008 58.02, 2008 580.025

Trust accounts

Generally, Minn. Statutes 2008 58.16

Records and record keeping, Minn. Statutes 2008 58.14

Standards of conduct, Minn. Statutes 2008 58.13

Trust funds, Minn. Statutes 2008 58.02, 2008 58.13

Violations and penalties

Civil penalties, Minn. Statutes 2008 58.12

Criminal violations or convictions, Minn. Statutes 2008 58.12

Insurance producers performing residential activity, effect on license, Minn. Statutes 2008 60K.43

Lapsed, surrendered, withdrawn, or terminated licenses, Minn. Statutes 2008 58.12

Lawsuits, Minn. Statutes 2008 58.18

License, rule, or order violations, generally, Minn. Statutes 2008 58.12

Standards of conduct, Minn. Statutes 2008 58.13

Writing, requirements

Bankruptcy notice, Minn. Statutes 2008 58.14

Contracts, cancellation notice, Minn. Statutes 2008 58.16

License applications, Minn. Statutes 2008 58.06

License cancellation, Minn. Statutes 2008 58.11

Prepayment penalties, disclosure, Minn. Statutes 2008 58.137

Written agreements, Minn. Statutes 2008 58.13, 2008 58.16