A loan originator organization must ensure its individual loan originators are licensed or registered as applicable law requires and must comply with character, fitness and criminal background standards; a loan originator may not steer a consumer to a loan that benefits the originator but is not in the consumer's interest, and may not direct a consumer to a creditor based on the originator's own compensation; a closed-end or open-end home-secured credit agreement may not include a mandatory arbitration clause or a waiver of a federal statutory cause of action (12 CFR 1026.36(f)-(h)).
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