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colorado real estate manual 2015 pdfWe gratefully acknowledge the help of the many who have contributed their time and experience, especially Marcia Waters and the dedicated staff at the Division of Real Estate for their commitment to making this publication available to the industry. We hope this manual will be helpful to new applicants for licensure and also a benefit to practicing real estate brokers, appraisers and mortgage professionals as a ready reference. The information contained in this manual is fundamental to a sound introduction to the real estate industry. It is not intended as an all-inclusive real estate text; nor should it be relied upon as a source of legal advice. For those who desire to increase their educational and professional competency, there are many classes and courses of instruction available throughout the State of Colorado and a number of colleges and universities that offer four-year programs leading to a degree in real estate and related fields. Suggestions, corrections and criticisms for and of this publication are solicited and will receive careful consideration. Disclaimer: The portions of the Colorado Revised Statutes, reprinted in this Manual with permission of the Committee on Legal Services in accordance with section, C.R.S., are unofficial publications of the Colorado Revised Statutes. They are included as: a reference for real estate practitioners, an aid to those preparing for licensure, and others with an interest in a digest of real estate related laws and information. The Division of Real Estate makes every effort to maintain accurate information; however the State makes no warranties whatsoever in relation to the contents of this manual, and users rely upon the information contained herein at their own risk. Editorial Offices 701 E. Water Street Charlottesville, VA Printers and Distributors Print Edition ISBN: Electronic Edition ISBN: State of Colorado Department of Regulatory Agencies, Division of Real Estate ii What the Law Does Not Cover III.http://milkexim.ru/imgeditor/diamond_f23h_manual.xml
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The Commission Office A. The Master File B. Licensing C. Enforcement Section IV.Subdivision Statutes III. Rules and Regulations for Subdivision Developers IV. Licensee s Responsibilities V. Municipal Planning and Zoning Laws VI. County Planning Laws VII. Special Types of Subdivisions A. Condominiums as Subdivisions VIII. Condominium Ownership Act Referenced in Chapter 5, Common Interest Communities IX. Colorado Common Interest Ownership Act Referenced in Chapter 5, Common Interest Communities iv Cooperative Housing Corporations CHAPTER 5: COMMON INTEREST COMMUNITIES I. HOA Information and Resource Center II. HOA Registration III. HOA Statutes IV. Condominium Ownership Act Title 38, Article 33, C.R.S. Condominium Ownership Act V. Colorado Common Interest Ownership Act VI. Management of the Common Interest Community CHAPTER 6: LANDMARK CASE LAW AND OPINIONS I. Supreme Court Decision on Practice of Law by Brokers Summary of Decision on Practice of Law by Brokers Companion Decision on Practice of Law II. Licensee Acting on Own Account Commission Jurisdiction III. Attorney General s Opinion on Business Opportunities Summary CHAPTER 7: INTERESTS IN LAND HISTORY I. Introduction II. Kinds of Interests in Land A. Freehold Estates B. Non-Freehold Estates III. Concurrent Interests A. Joint Tenancy B. Tenancy in Common IV. Concurrent Conveyances V. Homestead Exemption VI. Easements VII. Adverse Possession VIII. Combined Types of Ownership CHAPTER 8: LAND DESCRIPTIONS I. Introduction II. The United States Governmental Survey System III. Metes and Bounds Descriptions A. Bearing System B. Azimuth System IV. Recorded Subdivision Plat V. Surveys and Certificates VI. Colorado Coordinate System VII. Metric System CHAPTER 9: DEEDS AND TRANSFER OF TITLE I. Introduction A. Types of Deeds B. Usual Elements of Deeds CHAPTER 10: EVIDENCE OF TITLE I. Introduction v Abstract and Opinion A. Liability B. Risks III. Title Insurance A. Owner s versus Mortgagee s Policies B.http://itemweb4.fr/userfiles/diamond-gc1000-manual.xml Title Insurance Commitments C. Division of Insurance D. Application of the Good Funds Laws IV. Torrens Certificate of Title A. Methods of Registration B. Transfer of Torrens Title CHAPTER 11: APPRAISER REGULATION I. The Colorado Board of Real Estate Appraisers II. Appraiser Licensing and Certification III. Levels of Appraiser Licensure IV. Requirements for Appraiser Licensure V. Continuing Education Requirements VI. Appraisal Management Companies Title 12, Article 61, Part 7, Colorado Revised Statutes Real Estate Appraisers VII. Rule Making of the Board of Real Estate Appraisers Rules of the Colorado Board of Real Estate Appraisers VIII. Appendix Affidavit for Conservation Easement Appraisals CHAPTER 12: CONSERVATION EASEMENTS I. Introduction II. The Aggregate Annual Limit III. Pre-Approval Process for Donations Made After January 1, IV. Conservation Easement Statutes V. Conservation Easement Regulations CHAPTER 13: MORTGAGE LOAN ORIGINATORS I. Introduction II. Mortgage Loan Originator Licensing and Mortgage Company Registration Act Colorado Revised Statutes Title 12, Article 61, Part III. Standards for Mortgage Lending and Servicing IV. Loan Fraud V. Mortgage Loan Originator Rules Rules Regarding Mortgage Loan Originators VI.Well Permits III. Conveying and Encumbering Water Rights IV. Disclosure of Potable Water Source V. Special Considerations for Irrigated Land VI. Water Conservation and Drought Mitigation VII. Conclusion VIII. Water Right Terminology CHAPTER 15: BROKERAGE RELATIONSHIPS I. Introduction A. Brokerage Relationships in Real Estate Act B. Establishing the Relationship C. Refining Agency Relationships II. Real Estate Brokerage Basics A. One-Person Firm B. Multiple-Person Firm C. Confidential Information D. Supervision E. Intraoffice Relationships III. Agency IV. Transaction-Brokerage V. Uniform Duties A. Seller or Landlord Uniform Duties B. Seller or Landlord Agency Additional Duties C. Buyer or Tenant Uniform Duties D. Buyer or Tenant Agency Additional Duties VI. Entering into a Brokerage Relationship A. Agency B. Transaction-Brokerage C. Customer D. Permitted Relationships VII. Mandatory Disclosures A. Establishing the Brokerage Relationship B. Mandatory Disclosures C. Designated Brokerage Disclosure D. Disclosure Forms E. Other Disclosures F. Change of Status VIII. Two Examples A. One Broker for Both Sides of a Transaction B. Both Sides Represented C. Prohibited Relationships IX. Duration of Relationships A. Term B. Termination C. No Duties after Termination D. Responsibilities after Termination X. Office Policies XI. Compensation A. Payment Does Not Establish Agency vii Types of Seller Agreements A. Net Listing B. Open Listing C. Exclusive Agency Listing D. Exclusive Right-to-Sell Listing E. Multiple Listing IV. Right-to-Buy Agreements Exclusive Right-to-Buy Contract V. Change of Status VI. Approved Forms VII. Broker Responsibility A. Diligence in Pursuing the Objective of the Listing Agreement B. Cancelled Listings C. Conflicts of Interest D. Scope of Activity Principal Consent E. Commission-Approved Forms F. Closing Instructions G. Broker Compensation H. Sales Arrangements Between Brokers CHAPTER 17: CONTRACTS I. Introduction II. Essential Elements of a Contract III. Matters to be Considered in Real Estate Contracts A. Names and Signatures of the Parties B. Sale Price and Payment Provisions C. Description of the Property D. Type of Deed E. Condition of Title F. Default Provisions G. Contingency Provisions H. Possession I. Apportionment or Adjustment J. Risk of Loss IV. Colorado Buy-Sell Contract V. Competency in Preparing Contracts A. Loan Contingency B. Assumptions C. Buyer s Creditworthiness D. Balloon Payments VI. Surveys VII. Dual Contracting and Loan Fraud VIII. Installment Contracts viii Manufactured, Modular, and Mobile Homes CHAPTER 18: TRUST DEEDS AND LIENS I. Trust Deeds and Mortgages A. Introduction and Background of Mortgages II.http://echoploda.com/images/colorado-motor-vehicle-license-law-manual.pdf The Foreclosure Process Foreclosure Revolution III. Mortgages and Deeds of Trust IV. Concerning Real Estate Foreclosures (Deeds of Trust) V. Master Form Mortgage or Deed of Trust A. Master Form of Mortgage or Deed of Trust B. Acknowledged and Recorded for the Protection VI. Usual Elements of a Deed of Trust or Mortgage VII. Assumption of Indebtedness VIII. Section, C.R.S., Limit on Interest Rate Increase IX. The Promissory Note X. Second Mortgage or Trust Deed XI. Installment Land Contract XII. Liens A. Introduction B. Specific Liens C. General Liens CHAPTER 19: CLOSING STATEMENTS I. Introduction II. Rules and Requirements for Closings A. Responsibility for Closing B. Preparation of Legal Documents C. Good Funds D. Closing Statements (SS ) E. Signing the Closing Statement F. Broker Closing Records G. Escrow Tax Reserve Account Refunds H. Internal Revenue Service Reporting Real Estate Sales I. Certain Cash Transactions J. FIRPTA Withholding K. Nonresident of Colorado Withholding L. Real Estate Settlement Procedures Act (RESPA) M. Special Taxes III. The Closing Process IV. Closing Examples A. Final Settlement with a Seller Carry Loan Facts Sub-Totals Balance Due to Seller Balance Due from Buyer Totals Closing Statements Worksheet for Real Estate Settlement Seller Carry Loan B. Final Settlement with an Assumed Loan Introduction Assumption Statement ix Other Settlement Items A. Loan Fees B. HOA Fees C. Rentals D. Seller Concessions VII. Statutes, Rules, and Position Statements Affecting Closings VIII. Useful Closing Web Sites CHAPTER 20: ESCROW RECORDS I. Introduction A. Concepts and Responsibilities A Chapter Summary II. Sales Escrow Accounts A. The Escrow Bank Account B. The Cash Receipts and Disbursements Journal (The Journal ) C. The Beneficiary s Ledger Record (The Ledger ) D. Illustrated Escrow Accounting Transactions E. Transaction Files and the Retention of Records F. Administrative Matters III. Property Management Records A. Management Accounting Requirements B. Required Management Records C. Accounting for Security and Advance Rental Deposits IV. Subdivisions and Associations A. General B. Accounting Requirements for Registered Developers C. Management of Common Interest Associations V. Appendix Sample Forms A. Notice of Escrow or Trust Account B. Escrow Account Journal C. The Beneficiary and Broker Ledger Cards D. The Bank Reconciliation Worksheet E. Tenant Ledger F. Tenant Security Deposit Ledger G. Owner s Ledger H. Change of Employing Broker Affidavit I. Schedule of Commissions Earned Versus Amounts Taken CHAPTER 21: PROPERTY MANAGEMENT AND LEASES I. Introduction II. Management Functions III. Merchandising Rental Space IV. General Accounting Concepts V. Security Deposits A. Introduction x Sources of Information and Training VIII. Mobile Home Park Tenancies CHAPTER 22: FARM AND RANCH BROKERAGE I. Introduction II. Farm and Ranch Glossary CHAPTER 23: BUSINESS OPPORTUNITIES I. Introduction II. Matters to be Considered III. The Uniform Commercial Code IV. The Colorado Use Tax A. Forms and Settlement Business Opportunity Worksheet Income Statement B. Colorado UCC Financing Statements, C.R.S. Contents of financing statement record of mortgage as financing statement time of filing financing statement, C.R.S. Uniform form of written financing statement and amendment CHAPTER 24: TAX FACTORS PERTAINING TO REAL ESTATE PRACTICE I. Introduction II. Ownership of a Personal Residence A. Buying Expenses B. IRA Withdrawal Used to Fund Purchase C. Qualified Residential Mortgage Interest D. Mortgage Interest Credit E. Mortgage Insurance Premiums F. Property Taxes G. Personal Property Taxes H. Non-business Casualty and Theft Losses I. Moving Expenses J. Business Use of Home (Home Offices) III. Sale of a Personal Residence A. Installment Sales B. Foreclosure C. Colorado Withholding Tax on Certain Transfers of Real Estate IV. Property Used in a Trade or Business xi Tax Treatment of Various Legal Entities A. Corporations B. Partnerships C. S Corporations D. Limited Liability Companies (LLC) E. Trusts F. Homeowner Associations G. Real Estate Mortgage Investment Conduit (REMIC) H. Tax Shelters VII. Employed Real Estate Licensees VIII. Withholding of State Income Tax on Proceeds from Transfers by Nonresidents of Real Property Located in Colorado, C.R.S. Withholding tax transfers of Colorado real property nonresident transferors CHAPTER 25: FAIR HOUSING I. Introduction II. Federal Civil Rights Acts A. Civil Rights Acts of 1866 and 1870 (42 U.S.C and 1982) U.S.C Equal rights under the law U.S.C Property rights of citizens B. Fair Housing Act 1968, Amended 1988 (42 U.S.C to 3619) Bases of Discrimination Exemptions to Property Covered III. Illegal Practices Under Federal Law IV. Equal Credit Opportunity Act (ECOA) (15 U.S.C. 1691, et seq.) V. Americans with Disabilities Act A. Licensee ADA Responsibilities in Conducting Real Estate Practices B. Licensee ADA Responsibilities in Listing, Selling, Leasing, or Managing Property C. ADA Responsibilities in Real Estate Instruction D. ADA Responsibilities as Employers VI. Colorado Fair Housing Act A. Title 24, Article 34, C.R.S B. Major Differences Between the Federal and Colorado Fair Housing Acts VII. Colorado Civil Rights Division Commission Procedures VIII. Housing Practices IX. Discrimination in Places of Public Accommodation X. Discriminatory Advertising XI. Persons with Disabilities Civil Rights CHAPTER 26: RELATED REAL ESTATE LAW I. Real Estate Settlement Procedures Act (RESPA) U.S.C Prohibition against kickbacks and unearned fees II. Manufactured Homes xii Mobile Home Park Act IV. Title to Manufactured Homes Act V. Nondisclosure of Information Psychologically Impacting Real Property VI. Soil and Hazard Analyses of Residential Construction VII. Uniform Power of Attorney Act VIII. Relief of Residential Taxpayers from Lien of Special District Taxes for General Obligation Indebtedness Certification and Notice of Special District Taxes for General Obligation Indebtedness IX. Colorado Consumer Protection Act X. Disclosure Methamphetamine Laboratory Illegal Drug Laboratories XI. Common Interest Community Disclosure XII. Equity Skimming XIII. Colorado Foreclosure Protection Act XIV. Foreclosure Consultants XV. Equity Purchasers XVI. Notaries Public Act XVII. Uniform Recognition of Acknowledgments Act CHAPTER 27: COMMISSION-APPROVED AND MISCELLANEOUS FORMS I. Commission-Approved Forms Rule F Use of Commission-Approved Forms II. Appendix Commission-Approved Forms GLOSSARY OF TERMS. Glossary-1 TOPICAL INDEX. Topical Index-1 xiii The law has had the effect of raising the general standing of the real estate business and has helped to safeguard the interests of both the public and those engaged in the business. II. What the Law Does Not Cover The law does not dictate the ethical standards that should be observed in the real estate industry, or generally of any trade, business, or profession. The law imposes responsibility for one s moral misconduct only indirectly, through the law of crimes (public wrongs) and of torts (private wrongs). As an example, one entrusted with another s money may be held responsible for its misuse in two ways: 1. Through the crime of theft by deception, for which a person may be fined and imprisoned; and 2. Through the tort of conversion, for which a person may be required to return the money and provide compensation for any harm caused by the wrongful use of the rightful owner s money. Codes of ethics have been voluntarily adopted by various real estate organizations as guiding standards of high moral and ethical practice. Adherence to such codes is recommended to all who are licensed to engage in real estate business. III. The Commission Office The Division of Real Estate has a five-member Commission that meets bi-monthly to conduct rulemaking hearings, make policy decisions, consider licensing matters, review complaints, and take disciplinary action against real estate brokers. Rules are promulgated after notice and public hearings at which all interested parties may participate. The five Commission members consist of three real estate brokers and two members of the public. Commission members serve a three-year term. The Division of Real Estate is part of the Department of Regulatory Agencies and is responsible for budgeting, purchasing, and related management functions. The director of the Division is an administrative officer who executes the directives of the Commission and is given statutory authority in all matters delegated by the Commission. The Division of Real Estate is the licensing, regulation, and enforcement agency for real estate brokers, appraisers, mortgage loan originators, subdivision developers, and conservation easement holders. The Division s objectives are to: Provide protection to consumers and other stakeholders Educate consumers on their rights and promote consumer awareness throughout the State of Colorado Enforce state and federal laws, rules, regulations, and standards and impose disciplinary action when recommended License real estate brokers License real estate appraisers License mortgage loan originators Register timeshares, raw land subdivisions developers and homeowners associations Certify the holders of conservation easements Investigate complaints Enforce compliance with state and federal laws Impose recommended disciplinary actions against licensees The Commission exercises its duties and authorities independently through the following programs or activities. A. The Master File The Division staff records the historical and day-to-day information concerning the licensing status of employers, employees, corporations, limited liability companies and partnership entities, trade names, office locations, and disciplinary actions. The Licensing section also issues license histories to licensees who need to prove their credentials to other jurisdictions. Colorado recognizes real estate licenses issued by all other U.S. and Canadian jurisdictions if the licensee in the other jurisdiction has held that license for 2 years or more. Licensing currently administers this program and offers a limited recognition program to these licensees. The Division also reciprocates with most other appraisal jurisdictions. Applicants with a past civil judgment or criminal conviction may request a preliminary advisory opinion regarding the likelihood of receiving a license before completing the 1-2 Both preliminary advisory applicants and license applicants are subject to pre-licensing investigations and fingerprinting to safeguard the statutory mandate for truthfulness, honesty, and good moral character. (See, -103(3), -709(1), and -905(1) C.R.S) All applications that disclose civil or criminal violations or any form of previous license discipline in any jurisdiction are reviewed and investigated thoroughly. If a written complaint is filed, the office is compelled to investigate. If the complaint against the licensee is of such a serious nature that it may result in disciplinary action against a licensee, a hearing will be held before an administrative law judge. The judge is appointed by the Department of Personnel and Administration. The administrative law judge will make an initial decision of revocation, suspension, censure, or dismissal. Education courses, probation, and fines can also be mandated. If written objections are not filed with the Commission within 30 days, the initial decision becomes final. If written objections are filed, the Commission may adopt the findings and initial decision of the administrative law judge, modify the disciplinary action, or refer the matter back for rehearing. The Commission can also issue letters of admonishment in instances where conduct does not warrant formal disciplinary proceedings. 1-3 Any person, firm, partnership, limited liability company, association, or corporation or any employee or authorized agent thereof engaged in the act of soliciting a fee or valuable consideration from any person other than a prospective tenant for furnishing information concerning the availability of real property, including apartment housing which may be leased or rented as a private dwelling, abode, or place of residence, is exempt from this definition of real estate broker or broker. This exemption applies only in respect to the furnishing of information concerning the availability of real property. Real estate broker does not apply to any of the following: (I) Any attorney-in-fact acting without compensation under a power of attorney, duly executed by an owner of real estate, authorizing the consummation of a real estate transaction; (II) Any public official in the conduct of his or her official duties; (III) Any receiver, trustee, administrator, conservator, executor, or guardian acting under proper authorization; (IV) Any person, firm, partnership, limited liability company, or association acting personally or a corporation acting through its officers or regular salaried employees, on behalf of that person or on its own behalf as principal in acquiring or in negotiating to acquire any interest in real estate; 1-5 This exemption applies only in respect to the customary duties of an on-site manager performed for his or her employer. (XIII) A regularly salaried employee of an owner of condominium units who acts as an on-site manager of such units. For purposes of this subparagraph (XIII) only, the term owner includes a homeowners association formed and acting pursuant to its recorded condominium declaration and bylaws. No person shall be granted a license until such person establishes compliance with the provisions of this part 1 concerning education, experience, and testing; truthfulness and honesty and otherwise good moral character; and, in addition to any other requirements of this section, competency to transact the business of a real estate broker in such manner as to safeguard the interest of the public and only after satisfactory proof of such 1-7 22 Colorado Real Estate Manual qualifications, together with the application for such license, is filed in the office of the commission. In determining such person s character, the real estate commission shall be governed by section, C.R.S, C.R.S. Application for license rules. (1) (a) All persons desiring to become real estate brokers shall apply to the real estate commission for a license under the provisions of this part 1. Application for a license as a real estate broker shall be made to the commission upon forms or in a manner prescribed by it. (b) (I) Prior to submitting an application for a license pursuant to paragraph (a) of this subsection (1), each applicant shall submit a set of fingerprints to the Colorado bureau of investigation for the purpose of conducting a state and national fingerprint-based criminal history record check utilizing records of the Colorado bureau of investigation and the federal bureau of investigation. The applicant shall pay the fee established by the Colorado bureau of investigation for conducting the fingerprint-based criminal history record check to the bureau. Upon completion of the criminal history record check, the bureau shall forward the results to the real estate commission. The applicant must furnish proof satisfactory to the commission that the applicant has either received a degree from an accredited degree-granting college or university with a major course of study in real estate or has successfully completed courses of study, approved by the commission, at any accredited college or university or any private occupational school that has a certificate of approval from the private occupational school division in accordance with the provisions of article 59 of this title or that has been approved by the commission or licensed by an official state agency of any other state as follows: (I) Forty-eight hours of classroom instruction or equivalent correspondent hours in real estate law and real estate practice; and (II) Forty-eight hours of classroom instruction or equivalent correspondent hours in understanding and preparation of Colorado real estate contracts; and (III) A total of seventy-two hours of instruction or equivalent correspondence hours from the following areas of study: (Ed. Note: See also Rule A-17) (A) Trust accounts and record-keeping; 1-8 View more To determine whether the Governor has signed the bill or taken other action on it, please consult Time Detailed Course Title of act. K.S.A. 58-3034 through 58-3077, and K.S.A. 2007 Supp. 58-3078 through 58-3085, and amendments thereto, shall be known and Property Management from the Iowa Association of REALTORS Prepared by Paul McLaughlin, Legal Counsel January, 1999 Property Management Table of Contents I Program Accountants; Tax Consultants and Preparers Sponsored by: Joint Minerals, Business and Economic Development Interim Committee A BILL for AN ACT relating to trade They must pursue an injunction by court action. Salespersons Real Estate Frequently Asked Questions INTRODUCTION References to the Act Real Estate Frequently Asked Questions INTRODUCTION References The People of the State of Michigan enact: Real Estate Empower, Inc. www.rempower.com AN ACT concerning certain licensed lending activities, supplementing P.L., c. (C.:C- et seq.), and revising various INVESTMENT ADVISORY SERVICES 11.1 General provisions and definitions. (a) Effective date. This Part shall become effective upon legal adoption. (b) SUMMARY Revises provisions relating to mortgage lending. (BDR 54-1174) Approval of a consumer contract by the Attorney General only means that simple, understandable and Powers, duties and functions of the No part of this publication may be reproduced, BY REPRESENTATIVE PONTI Prefiled pursuant to Article III, Section (A)()(i) of the Constitution of Louisiana. FINANCIAL PLANNING: Provides relative to debt relief services Property and Conveyances. Chapter 26 Virginia Property Owners Association Act Table of Contents 55-508. Applicability. 1 55-509. Be it enacted by the Senate and House of Representatives in General Assembly convened: Section 1. (NEW) (Effective October 1, 2015) The People of the State of Michigan enact: To use this website, you must agree to our Privacy Policy, including cookie policy. Browse on or click to Can not include your user id.The Manual is a source of information, statutes, rules, and position statements for the real estate industry. The Manual benefits new applicants for licensure as well as existing real estate brokers, appraisers, and other real estate professionals by providing current relevant statutes and requirements for practicing in Colorado. It also includes current Colorado Real Estate Commission rules and position statements for brokers, appraisers, mortgage loan originators, and conservation easements. An excellent resource for real estate professionals that provides history, new laws and requirements, descriptions, and landmark case law.Click here for more information about LexisNexis eBooks.What the Law Does Not Cover III. The Commission Office A. The Master File B. Licensing C. Enforcement Section IV. Subdivision Statutes III. Rules and Regulations for Subdivision Developers IV. Licensee’s Responsibilities V. Municipal Planning and Zoning Laws VI. County Planning Laws VII. Special Types of Subdivisions A. Condominiums as Subdivisions VIII. HOA Registration III. Community Association Manager Licensing IV. Colorado Common Interest Ownership Act VII. Colorado Revised Nonprofit Corporation Act CHAPTER 6: APPRAISER REGULATION I. The Colorado Board of Real Estate Appraisers II. Appraiser Licensing and Certification III. Levels of Appraiser Licensure IV. Requirements for Appraiser Licensure V. Continuing Education Requirements VI. Standards for Mortgage Lending and Servicing IV. Loan Fraud CHAPTER 9: RULES AND REGULATIONS FOR MORTGAGE LOAN ORIGINATORS AND POSITION STATEMENTS I. Mortgage Loan Originator Rules Rules Regarding Mortgage Loan Originators II. Colorado Real Estate Commission v. Hanegan (1997). Case Topics: Adequate Notice of CE Requirements; and Standards for Court Review of Agency Imposed Sanctions V. Colorado Real Estate Commission v. Bartlett (2011) (Case Topics: Convictions of Attempted Crimes; Proof of Rehabilitation; and Appropriate License Discipline) VI. McDonnell v. Colorado Real Estate Commission (2015) Case Topics: Non-Brokerage Activities; Specific Prohibited Acts; and Court Review of Agency Imposed Sanctions VII. Colorado Real Estate Commission v. Vizzi (2019) Case Topics: Mandatory Duties of Real Estate Brokers; Federal Antitrust Defense; Anonymous Complainants and Due Process Rights; and Court Review of Agency Imposed Sanctions GLOSSARY OF TERMS TOPICAL INDEX RELX Group and the RE symbol are trade marks of RELX Intellectual Properties SA, used under license. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. User-Friendly Manuals. Product Instructions.