An originator file in Pennsylvania presents a question about branch, office, and remote-work controls. Which statement should a loan file reviewer rely on?
Correct Answer
C) Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location.
Pennsylvania remote-location activity is allowed only when the licensed activity is supervised, written policies and information-security controls exist, in-person consumer interaction does not occur at a personal residence, the location is not advertised as an operating location, and the location is not owned or controlled by the licensee.
Why This Is the Correct Answer
Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location. This is correct because Pennsylvania remote-location activity is allowed only when the licensed activity is supervised, written policies and information-security controls exist, in-person consumer interaction does not occur at a personal residence, the location is not advertised as an operating location, and the location is not owned or controlled by the licensee.
Why the Other Options Are Wrong
Option A: Apply a familiar federal rule and skip the branch, office, and remote-work controls condition.
Apply a familiar federal rule and skip the branch, office, and remote-work controls condition. is not correct because the state rule supports: Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location.
Option B: Assume company licensing cures the individual-file issue.
Assume company licensing cures the individual-file issue. is not correct because the state rule supports: Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location.
Option D: Use the loan file reviewer's informal note instead of the state rule.
Use the loan file reviewer's informal note instead of the state rule. is not correct because the state rule supports: Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location.
Memory Technique
Pennsylvania: branch, office, and remote-work controls -> use the exact state rule in the explanation.
Exam Tip
Match the Pennsylvania fact pattern to the specific branch, office, and remote-work controls rule; do not answer from a generic state or federal assumption.
Common Mistakes to Avoid
- -Treating a Pennsylvania branch, office, and remote-work controls rule as a generic national mortgage rule
- -Choosing a familiar licensing answer that is not supported by the official authority
- -Ignoring the exact condition stated in the explanation
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