消費金融法 101：所有理性人都應該了解的關於金錢的法律
在這個為期 8 週的線上課程中，我們每週舉行兩次會議，學習者探索消費金融法、其演變和當前應用，利用現實問題和實際解決方案培養對金融監管的深刻理解。
包含什麼
16 現場會議
12 上課時間作業
每週 1 小時. 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.項目
If learners request a grade 1 outside project will be assigned incorporating class materials.等級
Only available if students complete pre-class assignments and 1 project.完成證書
包括我們無法翻譯此文，請刷新頁面並再試一次。
課堂經歷
英語程度 - B2+
美國等級 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.
學習目標
Students will learn what statutes govern consumer finance.Students will learn which regulations govern consumer finance.
教學大綱
課程
遵循 Teacher-Created 課程16 課程
超過 8 週課 1:
Introduction to Consumer Finance Law
● Overview of consumer finance law
● Importance of understanding financial regulations 45 分鐘線上直播課
課 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 分鐘線上直播課
課 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 分鐘線上直播課
課 4:
Truth in Lending Act (TILA)
● Overview of the TILA
● Key provisions and consumer protections
● Importance of transparency in lending 45 分鐘線上直播課
其他詳情
父母的引導和規範
Students will utilize a complimentary Kahoot account for some activities outside of class and for class participation.
外部資源
除了 Outschool 教室外，本課程也使用：
來源
Students will access online resources using my Symbaloo Consumer Finance Webmix. https://www.symbaloo.com/home/mix/13ePC5JWPC.
已加入 August, 2024
教師專業知識和證書
3 度
法學博士 在 金融 從 Georgia State University College of Law
碩士 在 英語語言文學 從 University of Tennessee
學士學位 在 教育 從 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.評論
現場團體課程
US$28
每週或US$224 用於 16 課程每週上課 x 2 次， 8 週
45 分鐘
即時視訊會議
年齡: 15-18
2-12 每班學員人數
