消費者金融法 101: 常識ある人がお金について知っておくべき法律
この 8 週間のオンライン コースでは、週 2 回、学習者が消費者金融法、その進化、現在の適用について学習し、現実の問題と実際の解決策を使用して金融規制に対する深い理解を深めます。
含まれるもの
16 ライブミーティング
12 授業時間Homework
週1時間. 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.Projects
If learners request a grade 1 outside project will be assigned incorporating class materials.Letter Grade
Only available if students complete pre-class assignments and 1 project.Certificate of Completion
含まれるこの文章は自動翻訳されています
このクラスで学べること
英語レベル - B2+
米国の学年 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.
学習到達目標
Students will learn what statutes govern consumer finance.Students will learn which regulations govern consumer finance.
シラバス
カリキュラム
Teacher-Created カリキュラムに準拠16 レッスン
8 週間以上レッスン 1:
Introduction to Consumer Finance Law
● Overview of consumer finance law
● Importance of understanding financial regulations 45 分のオンラインライブレッスン
レッスン 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 分のオンラインライブレッスン
レッスン 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 分のオンラインライブレッスン
レッスン 4:
Truth in Lending Act (TILA)
● Overview of the TILA
● Key provisions and consumer protections
● Importance of transparency in lending 45 分のオンラインライブレッスン
その他の情報
保護者へのお知らせ
Students will utilize a complimentary Kahoot account for some activities outside of class and for class participation.
外部リソース
このクラスでは、Outschool内のクラスルームに加えて、以下を使用します。
使用する教材
Students will access online resources using my Symbaloo Consumer Finance Webmix. https://www.symbaloo.com/home/mix/13ePC5JWPC.
参加しました August, 2024
教師の専門知識と資格
3 度
法学博士 Georgia State University College of Lawから ファイナンス へ
修士号 University of Tennesseeから 英語言語と文学 へ
学士号 Clarks Summit Universityから 教育 へ
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.レビュー
ライブグループコース
￥100
毎週または￥224 16 クラス分週に2回、 8 週間
45 分
オンラインライブ授業
年齢: 15-18
クラス人数： 2 人-12 人
