Alabama Consumer Credit Application
Description
How to fill out Consumer Credit Application?
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FAQ
Consumer Credit License. This License is required for any company or sole proprietor that will extend credit or take assignments of consumer credit contracts secured by residential real estate located in Alabama.
The application will ask you for personal information to verify who you are and determine whether you can repay what you borrow. In most cases, the lender will also check your credit history to see whether you meet their credit requirements and to determine the interest rate and repayment terms they offer you.
What is Consumer Credit? A consumer credit system allows consumers to borrow money or incur debt, and to defer repayment of that money over time. Having credit enables consumers to buy goods or assets without having to pay for them in cash at the time of purchase.
Under the Consumer Credit Act 1974 most businesses that offer credit or lend money to consumers, or allow customers time to pay for goods and services, must be licensed with the Consumer Credit Licensing Bureau at the Office of Fair Trading.
Alabama Mortgage License Requirements Complete a Criminal Background Check (CBC). Authorize a credit report through the NMLS. Fulfill all state and federal education requirements as designated by your state agency. Take and pass a National Test with a grade of 75% or higher.
No person shall engage in the business of lending in amounts of less than one thousand five hundred dollars ($1,500) and contract for, exact or receive, directly or indirectly, on or in connection with any such loan, any charges whether for interest, insurance, compensation, consideration, or expense, which in the ...
Alabama Mortgage License Requirements Complete a Criminal Background Check (CBC). Authorize a credit report through the NMLS. Fulfill all state and federal education requirements as designated by your state agency. Take and pass a National Test with a grade of 75% or higher.
