Course Objectives

This course provides Georgia mortgage loan originators with a focused review of the most active areas of examination and enforcement by the Georgia Department of Banking and Finance (DBF), including Georgia's reporting requirements, regulatory hot topics, and compliance obligations under the Georgia Fair Lending Act (GFLA) and high-cost loan regulations.

By the end of this course, participants will be able to:

• Identify Georgia's reporting requirements for mortgage professionals and explain the regulatory expectations established by the Georgia Department of Banking and Finance.
• Recognize the current regulatory hot topics and examination priorities that most frequently affect mortgage loan originators operating in Georgia.
• Explain the key provisions of the Georgia Fair Lending Act (GFLA) and describe how they apply to residential mortgage transactions.
• Identify the thresholds, restrictions, and compliance requirements applicable to high-cost loans under Georgia law.
• Apply Georgia-specific fair lending and high-cost loan standards to origination decisions in a manner that protects consumers and supports ethical, transparent lending practices.