Leyes de financiación al consumo 101: las leyes que toda persona razonable debería conocer sobre el dinero
En este curso en línea de 8 semanas, nos reunimos dos veces por semana, los estudiantes exploran las leyes de financiación al consumidor, su evolución y aplicaciones actuales, fomentando una comprensión profunda de las regulaciones financieras utilizando problemas del mundo real y soluciones reales.
Qué está incluido
16 reuniones en vivo
12 horas presencialesTarea
1 hora por semana. Students will be best prepped for class by participating in an 10–20-minute online activity (reading, game, video etc). This is only required if the learner requests a grade for the class.Proyectos
If learners request a grade 1 outside project will be assigned incorporating class materials.Letra de calificación
Only available if students complete pre-class assignments and 1 project.Certificado de finalización
incluidoExperiencia de clase
Nivel de inglés - B2+
Grado de EE. UU. 9 - 12
This class covers the federal statutes and regulations that govern how individuals spend, borrow, and save money including the responsibilities and obligations of the companies that offer and support such products and services. The class will cover topics like applying for credit, credit reports, what you can do or not do with prepaid cards, debit cards and credit cards, what obligations do banks, payment companies and other service providers have and what recourse do consumers have if they believe their rights have been violated. Other topics include best practices when you can't pay back what you borrowed, what to do when you find a mistake on your credit report and lots of other practical tips. Students are encouraged to take 10-20 minutes before class to read an article, play a short online game, solve a puzzle, or watch a short video to warm up for the next class topic. In class we will cover the statute or the regulation for that day by first learning where to find it online. We will learn who it applies to, what protections or obligations are identified in it and what recourse is available if it is violated. We may watch short videos, or I will lead a discussion to get students this information. In class we will encounter a consumer with a problem that students will solve using that day's law either in a breakout group or on their own. Finally, we will come back together and discuss our solutions.
Metas de aprendizaje
Students will learn what statutes govern consumer finance.Students will learn which regulations govern consumer finance.
Programa de estudios
Plan de estudios
Sigue en plan de estudios Teacher-Created16 Lecciones
más de 8 semanasLección 1:
Introduction to Consumer Finance Law
● Overview of consumer finance law
● Importance of understanding financial regulations 45 minutos de lección en vivo en línea
Lección 2:
Electronic Funds Transfer Act (EFTA)
● Purpose and scope of the EFTA
● Rights and responsibilities under the EFTA
● Case studies and real-world applications 45 minutos de lección en vivo en línea
Lección 3:
Regulation E: Implements the Electronic Fund Transfer Act
● Detailed look at Regulation E
● Protections for electronic fund transfers
● How Regulation E impacts consumers 45 minutos de lección en vivo en línea
Lección 4:
Truth in Lending Act (TILA)
● Overview of the TILA
● Key provisions and consumer protections
● Importance of transparency in lending 45 minutos de lección en vivo en línea
Otros detalles
Orientación para padres
Students will utilize a complimentary Kahoot account for some activities outside of class and for class participation.
Recursos externos
Además del aula de Outschool, esta clase utiliza:
Fuentes
Students will access online resources using my Symbaloo Consumer Finance Webmix. https://www.symbaloo.com/home/mix/13ePC5JWPC.
Se unió el August, 2024
Experiencia y certificaciones del docente
3 Grado
Juris Doctor en Finanzas desde Georgia State University College of Law
Maestría en Lengua Inglesa y Literatura desde University of Tennessee
Licenciatura en Educación desde Clarks Summit University
With 20 years of experience as a consumer finance attorney, I have managed legal and compliance departments for companies that offer a wide range of heavily regulated consumer finance products, encompassing all aspects of financial transactions available to consumers. My responsibilities included the development of compliant products, employee training, consumer interactions, complaint resolution, law enforcement reporting, and handling examination requests. I have also actively overseen more than 200 independent audits from state, federal, and third-party entities, ensuring compliance in areas such as:
1. **Equal Credit Opportunity Act (ECOA)**: Overseen by the **Consumer Financial Protection Bureau (CFPB)**.
2. **Home Mortgage Disclosure Act (HMDA)**: Also overseen by the **CFPB**.
3. **Electronic Fund Transfers Act (EFTA)**: Overseen by the **CFPB**.
4. **Fair Debt Collection Practices Act (FDCPA)**: Overseen by the **CFPB**.
5. **Truth in Lending Act (TILA)**: Overseen by the **CFPB**.
6. **Truth in Savings Act (TISA)**: Overseen by the **CFPB**.
7. **Real Estate Settlement Procedures Act (RESPA)**: Overseen by the **CFPB**.
8. **Fair Credit Reporting Act (FCRA)**: Overseen by the **Federal Trade Commission (FTC)**.
9. **Privacy of Consumer Financial Information (GLB Act)**: Overseen by the **FTC**.
10. **Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule**: Also overseen by the **CFPB**.
I have had the privilege of presenting and teaching at institutions such as the FDIC, Federal Reserve Bank, and OFAC, a branch of the US Treasury. My work has been published in numerous articles on the subjects taught in this class, and I am eager to share my real-life experiences with your learners.Reseñas
Curso grupal en vivo
28 US$
semanalmente o 224 US$ por 16 clases2 x por semana, 8 semanas
45 min
Videoconferencias en vivo
Edades: 15-18
2-12 alumnos por clase
Asistencia financiera
Obtener la aplicación
Tutoría
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