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Subtitle

Subtitle 8. Mortgage Loan Companies and Brokers

  • KRS 286.8-010— Definitions for subtitle
  • KRS 286.8-012— Administrative hearing request
  • KRS 286.8-020— Exemptions
  • KRS 286.8-030— Transaction of business prohibited without license -- Effect of issuance of license -- Unique identifier
  • KRS 286.8-032— Application for license
  • KRS 286.8-034— Issuance and renewal of license -- Fees
  • KRS 286.8-036— Rules concerning use of license -- Alternate work location
  • KRS 286.8-038— Repealed, 2009
  • KRS 286.8-040— Repealed, 2009
  • KRS 286.8-042— Repealed, 2009
  • KRS 286.8-044— Notice of order in writing -- Administrative complaint -- Service -- Hearing
  • KRS 286.8-046— Civil penalty for violation of subtitle, administrative regulation, or order -- Order for restitution, refund, recovery of expenses
  • KRS 286.8-048— Emergency orders by commissioner -- Grounds -- Hearing -- Period order to remain in effect
  • KRS 286.8-060— Surety bonds required -- Uses of bonds -- New or supplemental bonds
  • KRS 286.8-070— Company name
  • KRS 286.8-075— Change of control
  • KRS 286.8-080— Factors for use by commissioner in determining approval or disapproval of application
  • KRS 286.8-090— Denial, suspension, or revocation of license -- Jurisdiction of Franklin Circuit Court
  • KRS 286.8-100— Branch offices
  • KRS 286.8-110— Rates -- Mortgage required as evidence of real estate loan -- Delinquency charges -- Attorneys' fees -- Charges made part of note -- Limits on prepayment penalties
  • KRS 286.8-120— Fees and charges in addition to interest -- Letters of commitment -- Failure to fulfill terms constitutes default
  • KRS 286.8-125— Limitation on loan originator's fee
  • KRS 286.8-130— Escrow account -- Interest -- Accounting
  • KRS 286.8-140— Powers of commissioner
  • KRS 286.8-150— Records filed with commissioner open to public inspection -- Exception
  • KRS 286.8-160— Records to be kept by company -- Filing of financial report and correcting amendment -- Requirements if business discontinued -- Location of records -- Request for destruction of records
  • KRS 286.8-170— Places where records required to be kept -- Examination by commissioner -- Fee -- Access to records -- Reports
  • KRS 286.8-175— Confidentiality of examination reports and information -- Exceptions -- Prima facie evidence
  • KRS 286.8-180— Conduct of examination -- Cost of investigation or hearing
  • KRS 286.8-190— Grounds for investigation -- Action commissioner may take after investigation
  • KRS 286.8-200— Repealed, 2009
  • KRS 286.8-210— Judicial review
  • KRS 286.8-220— Prohibited acts
  • KRS 286.8-225— Mortgage fraud prosecution fund -- Funding -- Expenditures
  • KRS 286.8-227— Collection of civil penalties to be deposited in mortgage fraud prosecution fund -- Distribution -- Administrative regulations
  • KRS 286.8-230— Repealed, 2009
  • KRS 286.8-240— Short title
  • KRS 286.8-250— Mortgage loan brokers to maintain physical location
  • KRS 286.8-255— Registration with department required for mortgage loan originator -- Renewals -- Continuing education requirement -- Background checks -- Originators subject to other laws -- Minimum standards for registration -- Mortgage loan processors not required to register -- Continuing education and standards for processors -- Renewal of originator registration -- Limitation of loan origination services
  • KRS 286.8-256— Certain mortgage loan processors not to claim ability to act as mortgage loan originators
  • KRS 286.8-260— Continuing professional education required for persons registered under subtitle -- Termination and surrender of registration for failure to comply
  • KRS 286.8-270— Duties of mortgage loan broker -- Advanced disclosure of fee required
  • KRS 286.8-275— Reporting of violations of subtitle -- Duties of commissioner -- No waiver of privilege or claim of confidentiality
  • KRS 286.8-280— Limitation of liability
  • KRS 286.8-285— Participation in Nationwide Multistate Licensing System and Registry -- Duties -- Reporting
  • KRS 286.8-290— Certain mortgage loan originators exempt from specified requirements of subtitle -- Commissioner's access to records
  • KRS 286.8-295— Mortgage loan company and mortgage loan broker to exercise control over operations, employees, and company affairs -- Requirements for alternate work location
  • KRS 286.8-300— Severability of subtitle's provisions
  • KRS 286.8-990— Kentucky Residential Mortgage Fraud Act -- Provisions -- Criminal proceedings -- Penalties