소비자 금융법 101: 모든 합리적인 사람들이 알아야 할 돈에 대한 법률
이 8주간 온라인 과정에서는 주 2회 수업을 진행하며, 학습자들은 소비자 금융법, 그 발전 과정, 현재 적용 사례를 알아보고, 실제 문제와 실제적 해결책을 활용하여 금융 규정에 대한 심도 있는 이해를 돕습니다.
무엇이 포함되어 있나요?
16 라이브 미팅
12 수업시간Homework
주당 1시간. 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
포함됨보고계신 지문은 자동 번역 되었습니다
수업 소개
영어레벨 - B2+
미국 9 - 12 학년
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.
학습 목표
Students will learn what statutes govern consumer finance.Students will learn which regulations govern consumer finance.
강의 계획서
커리큘럼
Teacher-Created 커리큘럼 기반16 레슨
8 주 이상수업 1:
Introduction to Consumer Finance Law
● Overview of consumer finance law
● Importance of understanding financial regulations 45 분 온라인 라이브 레슨
수업 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 분 온라인 라이브 레슨
수업 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 분 온라인 라이브 레슨
수업 4:
Truth in Lending Act (TILA)
● Overview of the TILA
● Key provisions and consumer protections
● Importance of transparency in lending 45 분 온라인 라이브 레슨
그 외 세부 사항
학부모 가이드
Students will utilize a complimentary Kahoot account for some activities outside of class and for class participation.
Outschool 외 필요 앱/웹사이트
이 수업에서는 아웃스쿨 교실 외에도 다음의 툴을 사용합니다:
출처
Students will access online resources using my Symbaloo Consumer Finance Webmix. https://www.symbaloo.com/home/mix/13ePC5JWPC.
가입일: August, 2024
교사 전문성 및 자격증
3 정도
법학박사 금융 Georgia State University College of Law에서
석사 학위 영어영문학 University of Tennessee에서
학사 학위 교육 Clarks Summit University에서
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.리뷰
라이브 그룹 코스
매주
₩100
또는 16 회 수업에₩2248주 동안 주당 2회
45분
실시간 화상 수업
연령: 15-18
수업당 학습자 2-12 명
