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A mortgage team asks a policy analyst about branch, office, and remote-work controls during a branch onboarding review. Which answer should guide the file?

Correct Answer

D) Avoid risky features when the safe-harbor category requires it

anti-steering rules restrict steering consumers to loans that increase compensation without being in the consumer interest. This item uses an exam-style scenario; any file details in the stem are illustrative and the governing rule controls the compliant response. The best answer is "Avoid risky features when the safe-harbor category requires it".

Answer Options
A
Treat the compliance requirement as optional because closing is near.
B
Continue processing without correcting the disclosure, licensing, compensation, or consumer-protection issue.
C
Ignore the issue if the borrower orally agrees to continue.
D
Avoid risky features when the safe-harbor category requires it

Why This Is the Correct Answer

anti-steering rules restrict steering consumers to loans that increase compensation without being in the consumer interest. This item uses an exam-style scenario; any file details in the stem are illustrative and the governing rule controls the compliant response. The best answer is "Avoid risky features when the safe-harbor category requires it".

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