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Title 7 - Part 4 - DEPARTMENT OF SAVINGS AND MORTGAGE LENDING

Chapter 51 - DEPARTMENT ADMINISTRATION

Subchapter A - COMPLAINTS

51.1 - Definitions
51.2 - Complaint Processing
51.3 - Complaint Resolution and Disposition
51.4 - Complaint Review and Reporting

Subchapter B - HEARINGS AND APPEALS

51.100 - Appeals, Hearings, and Informal Settlement Conferences

Subchapter C - ADVISORY COMMITTEES

51.200 - Advisory Committees and Informal Conferences

Subchapter D - RECOVERY FUND

51.300 - Purpose and Applicability
51.301 - Definitions
51.302 - Claims
51.303 - Administrative Penalty Against Originator
51.304 - Liability for Unpaid Claims

Subchapter E - MORTGAGE GRANT FUND

51.400 - Purpose and Applicability
51.401 - Definitions
51.402 - Commissioner as Manager
51.403 - Grant Coordinator
51.404 - Mortgage Grant Advisory Committee
51.405 - Grant Program

Subchapter F - MORTGAGE GRANT FUND: RECOVERY CLAIMS FOR UNLICENSED ACTIVITY

51.500 - Purpose and Applicability
51.501 - Definitions
51.502 - Claims
51.503 - Consequences for Unlicensed Individual
51.504 - Liability for Unpaid Claims
51.505 - Eligibility
51.506 - Statute of Limitations at Inception

Chapter 55 - RESIDENTIAL MORTGAGE LOAN ORIGINATORS

Subchapter A - GENERAL PROVISIONS

55.1 - Purpose and Applicability
55.2 - Definitions
55.3 - Formatting Requirements for Notices
55.4 - Electronic Delivery and Signature of Notices
55.5 - Computation of Time
55.6 - Enforceability of Liens

Subchapter B - LICENSING

55.100 - Licensing Requirements
55.101 - Applications for Licensure
55.102 - Fees
55.103 - Renewal of the License
55.104 - NMLS Records; Notices Sent to the Originator
55.105 - Conditional License
55.106 - Surrender of the License
55.107 - Sponsorship of Originator
55.108 - Required Education
55.109 - Temporary Authority
55.110 - Licensing of Military Service Members, Military Veterans, and Military Spouses
55.111 - Background Checks
55.112 - Procedures for Review of Background Checks
55.113 - Criminal Conviction Guidelines
55.114 - Request for Criminal History Eligibility Determination

Subchapter C - DUTIES AND RESPONSIBILITIES

55.200 - Required Disclosures
55.201 - Conditional Pre-Qualification and Conditional Approval Letters
55.202 - Fraudulent, Misleading, or Deceptive Practices and Improper Dealings
55.203 - Advertising
55.204 - Books and Records
55.205 - Mortgage Call Reports

Subchapter D - SUPERVISION AND ENFORCEMENT

55.300 - Examinations
55.301 - Investigations
55.302 - Confidentiality of Examination, Investigation, and Inspection Information
55.303 - Corrective Action
55.310 - Appeals
55.311 - Hearings

Chapter 56 - RESIDENTIAL MORTGAGE LOAN COMPANIES

Subchapter A - GENERAL PROVISIONS

56.1 - Purpose and Applicability
56.2 - Definitions
56.3 - Formatting Requirements for Notices
56.4 - Electronic Delivery and Signature of Notices
56.5 - Computation of Time
56.6 - Enforceability of Liens

Subchapter B - LICENSING

56.101 - Applications for Licensure
56.102 - Fees
56.103 - Renewal of the License
56.104 - NMLS License Records; Notices Sent to the Mortgage Company
56.105 - Conditional License
56.106 - Surrender of the License
56.107 - Sponsorship of Originator; Responsibility for Originator's Actions
56.108 - Qualified Individual

Subchapter C - DUTIES AND RESPONSIBILITIES

56.200 - Required Disclosures
56.201 - Conditional Pre-Qualification and Conditional Approval Letters
56.202 - Fraudulent, Misleading, or Deceptive Practices and Improper Dealings
56.203 - Advertising
56.204 - Books and Records
56.206 - Office Locations; Remote Work
56.210 - Reportable Incidents

Subchapter D - SUPERVISION AND ENFORCEMENT

56.300 - Examinations
56.301 - Investigations
56.302 - Confidentiality of Examination, Investigation, and Inspection Information
56.303 - Corrective Action
56.304 - Unclaimed Funds
56.310 - Appeals
56.311 - Hearings

Chapter 57 - MORTGAGE BANKERS

Subchapter A - GENERAL PROVISIONS

57.1 - Purpose and Applicability
57.2 - Definitions
57.3 - Formatting Requirements for Notices
57.4 - Electronic Delivery and Signature of Notices
57.5 - Computation of Time
57.6 - Enforceability of Liens

Subchapter B - REGISTRATION

57.100 - Registration Requirements
57.101 - Applications for Registration
57.102 - Fees
57.103 - Renewal of the Registration
57.104 - NMLS Records; Notices Sent to the Mortgage Banker
57.106 - Surrender of the Registration
57.107 - Sponsorship of Originator; Responsibility for Originator's Actions

Subchapter C - DUTIES AND RESPONSIBILITIES

57.200 - Required Disclosures
57.201 - Conditional Pre-Qualification and Conditional Approval Letters
57.202 - Fraudulent, Misleading, or Deceptive Practices and Improper Dealings
57.203 - Advertising
57.204 - Books and Records
57.206 - Office Locations; Remote Work
57.207 - Periodic Statements
57.210 - Reportable Incidents

Subchapter D - SUPERVISION AND ENFORCEMENT

57.300 - Examinations
57.301 - Investigations
57.302 - Confidentiality of Examination, Investigation, and Inspection Information
57.303 - Corrective Action
57.304 - Unclaimed Funds
57.310 - Appeals
57.311 - Hearings

Chapter 58 - RESIDENTIAL MORTGAGE LOAN SERVICERS

Subchapter A - GENERAL PROVISIONS

58.1 - Purpose and Applicability
58.2 - Definitions
58.3 - Formatting Requirements for Notices
58.4 - Electronic Delivery and Signature of Notices
58.5 - Computation of Time

Subchapter B - REGISTRATION

58.100 - Registration Requirements
58.101 - Applications for Registration
58.102 - Fees
58.103 - Renewal of Registration
58.104 - NMLS Records; Notices Sent to the Mortgage Servicer
58.106 - Surrender of the Registration

Subchapter C - DUTIES AND RESPONSIBILITIES

58.200 - Required Disclosures
58.207 - Periodic Statements
58.210 - Reportable Incidents

Subchapter D - SUPERVISION AND ENFORCEMENT

58.301 - Investigations
58.302 - Confidentiality of Investigation Information
58.303 - Corrective Action
58.304 - Unclaimed Funds
58.310 - Appeals
58.311 - Hearings

Chapter 59 - WRAP MORTGAGE LOANS

Subchapter A - GENERAL PROVISIONS

59.1 - Purpose and Applicability
59.2 - Definitions
59.3 - Formatting Requirements for Notices
59.4 - Electronic Delivery and Signature of Notices
59.5 - Computation of Time

Subchapter B - LENDER REQUIREMENTS AND RESPONSIBILITIES

59.100 - Purpose and Applicability
59.101 - Required Disclosure
59.102 - Closing Requirements

Subchapter C - BORROWER'S RIGHTS AND RESPONSIBILITIES

59.200 - Purpose and Applicability
59.201 - Right to Deduct; Notice of Deduction

Subchapter D - WRAP LENDER AND SERVICER REQUIREMENTS

59.300 - Purpose and Applicability
59.301 - Fiduciary Duties; Required Accounting
59.302 - Trust Account; Maintenance of Funds Held in Trust
59.303 - Use of a Third-Party Servicer

Subchapter E - SUPERVISION AND ENFORCEMENT

59.400 - Purpose and Applicability
59.401 - Required Books and Records by a Wrap Lender Registrant
59.402 - Examination of Wrap Lender Registrants
59.403 - Investigation of Wrap Lender Registrants

Chapter 60 - SAVINGS ASSOCIATIONS

Subchapter A - GENERAL PROVISIONS

60.1 - Purpose and Applicability
60.2 - Definitions

Subchapter B - APPLICATIONS

60.101 - Application Filing Requirements
60.102 - Application Fees and Charges
60.103 - Public Notice of Application
60.104 - Motions for Rehearing
60.121 - Savings Association Charter
60.122 - Change of Name
60.123 - Certificate of Formation or Bylaws Amendments
60.131 - Branch Office
60.132 - Mobile Facility
60.133 - Relocate Home or Additional Office
60.141 - Reorganization, Merger, Consolidation or Purchase and Assumption Transaction - Resulting in a Savings Association
60.142 - Exemption for Supervisory Merger
60.143 - Reorganization, Merger or Conversion by a Savings Association to Another Financial Institution Charter
60.144 - Conversion into a Savings Association
60.145 - Mutual to Stock Conversion
60.161 - Acquisition of a Savings Association
60.162 - Notice and Hearing
60.163 - Retention of Control
60.164 - Abeyance of Other Applications
60.165 - Exempt Transactions
60.171 - Capital Notes and Debentures
60.181 - Registration
60.191 - Subsidiary Application

Subchapter C - OPERATIONS

60.201 - Approval of Offices Required; Closing an Office; Activities Not Requiring an Approved Office
60.202 - Types of Additional Offices
60.203 - Temporary Closing of Additional Offices
60.204 - Operation of a Mobile Facility
60.221 - Books and Records
60.222 - Accounting Practices
60.223 - Financial Statements; Annual Reports; Audits
60.224 - Misdescription of Transactions
60.225 - Charging Off or Setting Up Reserves Against Bad Debts
60.226 - Examinations
60.227 - Bylaws
60.231 - Capital Requirements
60.232 - Increase or Decrease of Minimum Capital Requirements
60.233 - Business Plans
60.234 - Joint Issuance of Capital Obligations
60.241 - Reports
60.242 - Books and Records
60.243 - Examinations
60.244 - Agent for Service of Process
60.245 - Release from Registration
60.251 - Annual Assessments
60.252 - Fee for Special Examination
60.261 - Savings Association Complaint Notices

Subchapter D - LOANS, INVESTMENTS, SAVINGS, AND DEPOSITS

60.301 - Definitions
60.302 - Loans Authorized
60.303 - Local Service Area Investment Requirement
60.304 - Unsecured Loans
60.305 - Loan Policies and Documentation
60.306 - Loans to and Transactions with Officers, Directors, Affiliated Persons, and Employees
60.307 - Letters of Credit
60.308 - Investment in Securities
60.309 - Investment in Banking Premises and Other Real Estate Owned
60.321 - Investment in and Divestiture of Subsidiaries
60.323 - Authorized Subsidiary Investments
60.324 - Subsidiary Operations
60.325 - Subsidiary Investment and Debt Limitation
60.326 - Operating Subsidiaries
60.331 - User Safety at Unmanned Teller Machines

Chapter 75 - SAVINGS BANKS

Subchapter A - GENERAL PROVISIONS

75.1 - Purpose and Applicability
75.2 - Definitions

Subchapter B - APPLICATIONS

75.101 - Application Filing Requirements
75.102 - Application Fees and Charges
75.103 - Public Notice of Application
75.104 - Motions for Rehearing
75.121 - Savings Bank Charter
75.122 - Change of Name
75.123 - Certificate of Formation or Bylaws Amendments
75.131 - Branch Office
75.132 - Mobile Facility
75.133 - Relocate Home or Additional Office
75.141 - Reorganization, Merger, Consolidation or Purchase and Assumption Transaction - Resulting in a Savings Bank
75.142 - Exemption for Supervisory Merger
75.143 - Reorganization, Merger or Conversion by a Savings Bank to Another Financial Institution Charter
75.144 - Conversion into a Savings Bank
75.145 - Mutual to Stock Conversion
75.151 - Eligible Institution
75.152 - Expedited Applications
75.153 - Denial of Expedited Treatment
75.161 - Acquisition of a Savings Bank
75.162 - Notice and Hearing
75.163 - Retention of Control
75.164 - Abeyance of Other Applications
75.165 - Exempt Transactions
75.171 - Capital Notes and Debentures
75.181 - Registration
75.182 - Reorganization as a Mutual Holding Company
75.191 - Subsidiary Application

Subchapter C - OPERATIONS

75.201 - Approval of Offices Required; Closing an Office; Activities Not Requiring an Approved Office
75.202 - Types of Additional Offices
75.203 - Temporary Closing of Additional Offices
75.204 - Operation of a Mobile Facility
75.221 - Books and Records
75.222 - Accounting Practices
75.223 - Financial Statements; Annual Reports; Audits
75.224 - Misdescription of Transactions
75.225 - Charging Off or Setting Up Reserves Against Bad Debts
75.226 - Examinations
75.227 - Bylaws
75.231 - Capital Requirements
75.232 - Increase or Decrease of Minimum Capital Requirements
75.233 - Business Plans
75.234 - Joint Issuance of Capital Obligations
75.241 - Reports
75.242 - Books and Records
75.243 - Examinations
75.244 - Agent for Service of Process
75.245 - Release from Registration
75.251 - Annual Assessments
75.252 - Fee for Special Examination
75.261 - Savings Bank Complaint Notes

Subchapter D - LOANS, INVESTMENTS, SAVINGS, AND DEPOSITS

75.301 - Definitions
75.302 - Loans Authorized
75.303 - Non-Real Estate Commercial Loans
75.304 - Unsecured Loans
75.305 - Loan Policies and Documentation
75.306 - Loans to and Transactions with Officers, Directors, Affiliated Persons, and Employees
75.307 - Letters of Credit
75.308 - Investment in Securities
75.309 - Investment in Banking Premises and Other Real Estate Owned
75.321 - Investment in and Divestiture of Subsidiaries
75.323 - Authorized Subsidiary Investments
75.324 - Subsidiary Operations
75.325 - Subsidiary Investment and Debt Limitation
75.326 - Operating Subsidiaries
75.331 - User Safety at Unmanned Teller Machines
75.332 - Pledging of Assets to Secure Deposits of Certain Public Purpose Entities